It’s largely a non-issue in the Nordic countries as you basically have to voluntarily opt out of any government aid programs to be homeless, which understandably most don’t. This goes for most, if not all, vulnerable groups; and most of the help is decently robust, at least enough to keep you fed and in housing. So I don’t think it’s a very large portion of the consideration, almost everything is paid via mobile pay, checks (any, not just from working) are all done digitally as well.