Most people on HN exist in a very different world from the unbanked population. Credit scores mean nothing to these people. Many can't even get approved for a checking account and rely primarily on cash equivalents and prepaid products.

The median credit score is over 700. The people you're talking about are certainly toward the left edge of the bell curve.

Then wouldn't these individuals not even care to pay f their debt at .10 to the 1.00?

Sometimes getting rid of the debt means that you can begin to restart. Of course, it won't help you afford a non-free checking account nor pay bills, but it can lead to marginally better jobs and nicer housing for the price. Sometimes that price is worth it because it brings a bit more piece of mind - no more phone calls and letters. A good number of unbanked aren't even as poor as you might expect - things have happened and they can't get to a point to restart.

And some people, no. No they wouldn't care. Like most people, it depends on life situation.