I have debit cards and credit cards but high debt and no savings.

That's a pretty common situation. An American way of living, one might say if feeling ranty :-)

My point was simpler, though. People who "don't earn enough to have savings" are those who will literally be thrown out into the street or will start getting malnourished if they miss a paycheck. There are enough of those people in the Third World, but they don't have debit cards.