Dunno about you, but the only banking products I take for granted are the ones I get online. My mortgage officer never saw me face to face. I never talked to a human being to open any of my credit cards. I'm an immigrant to the US, so I had a worse credit score at first than some of my friends who work in fast food restaurants. I'm white, but the country where my name is most common is Haiti (a coincidence, but people reading it don't know that).
As far as I could tell, all of those loans were essentially granted based on my FiCO score, my current debt burden and my payslips. It wouldn't even be my address or employer, since both my first apartment in the country and my first employer's office were located in districts known for large amount of minorities.
Maybe people get discriminated against when they go face to face...but then, just don't do that (heck, even if you're white. It's a pain in the ass). CapitalOne will give a credit card and checking account to literally anyone who didn't go bankrupt.
Now, if it's someone who can't afford an internet connection or cannot go to a local library...then ok, those people do need help (for real, not in the insult way). But "generally shut out" sounds like way more people are getting screwed then just that group.