Google Workspace handles this nicely (for $10/month...). I used to use the to-be-deprecated feature but ran into some occasional issues, so I bit the bullet to go to Workspace.

Feels overkill just to achieve the same outcome as we previously had for free, though.

In the EU, debit cards (with EU-capped interchange, and no debt mechanism) are the majority, and there's nothing that points toward that limiting low-income populations' access to banking or card networks.

Can't speak here for entire EU, only France, but opening a bank account or getting a basic debit card requires no minimum proof of income, and typically have no fees associated. No financial barrier to entry for any population segment.

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Surprised not to see Secrets of the Temple listed here — a very intimate account of a few years of Volcker's time as chair. Highly recommend.

https://www.amazon.com/Secrets-Temple-Federal-Reserve-Countr...