Credit: Proxima Studio / Shutterstock.com There are a million apps and services out there that will let you pay bills and move money around, but you still need a bank account. Yes, banks can be kind of crappy, but there’s a reason less than 5% of the population is unbanked: It makes everything more costly, and more difficult.But despite the crucial importance of a bank account, you don’t actually have a right to one. Banks can refuse to let you open an account in the first place, refuse to accep...