Allow the U.S. Postal Service to offer banking services like savings accounts, debit cards and simple loans.

As referenced in David Dayen's article, "The Post Office Should Just Become a Bank - How Obama can save USPS and ding cash checking joints," the USPS should offer basic banking services to customers, like savings accounts, debit cards and simple loans. It has 35,000 offices nationwide that could serve the 68 million Americans with little or no access to financial services. From 1911 to 1967, the USPS provided cash deposit service to savings accounts at 2% interest so there is precedence. According to Dayen, the USPS could offer "services at a 90 percent discount, saving the average underserved household over $2,000 a year and still providing the USPS with $8.9 billion in new annual profits." This could be one of the ladders to assist those struggling financially, Mr. President.