Who were the people unable to pay their bills in great Britain?

In Great Britain, people who were unable to pay their bills were known as the "unbanked" or the "underbanked." These individuals typically had low incomes and were often excluded from traditional banking services due to factors such as poor credit history, lack of documentation, or unstable housing situations. Consequently, they often relied on alternative financial services such as payday lenders, check-cashing stores, and pawn shops, which typically charged high fees and interest rates, exacerbating their financial difficulties.