How can it to be worth $50? All real person in the world can verify the account using their own name, address and phone number! This may be suitable to those who can't supply these information (due to that they are homeless?), but they will not use this, since there are many alternatives (like PayPal, Bitcoin etc.).
yup the homeless guys always want to have an account,
where they can send money what they dont own
to other people.