You cash your check for a good percentage of it. If they had a bank account they wouldn't need to spend that money. I don't know how it is in other states but the last time I opened a bank account in California it was a pain. The amount of information needed is certainly not possible for a huge chunk of people.
Gas is one of those things I have no control over. If it's expensive I have to pay, if it's cheap I have to pay. I'm dependent, and in a city like Los Angeles the alternative is impossible. They raised the price of public transport to a point where it is not even convenient.
So when I go to the gas station and it's cheap I'm happy. I fill it up and have a smile on my face. Am I doing it wrong?