In a new book, legal scholar Mehrsa Baradaran argues that America has two systems for personal banking. The rich have personal bank accounts at brick-and-mortar businesses, while the poor either don’t bank at all or rely on payday lenders and check cashers that charge exorbitant rates and fees. The result, Baradaran says, is a sadly ironic situation where “the less money you have, the more you pay to use it.” She joins us Monday to explain how we got into this mess, and how we might get out of