I simply don't see why the government should have to do that.
What's a checking account cost? Well according to this article
http://abcnews.go.com/blogs/business/20 ... est-banks/, somewhere between $0-25 is needed to open them, and somewhere between $0-$5/month to keep it open.
Seriously, do we need a large government program to give people a one-time payout of $25 and monthly handouts of $5?