Also re: access to digital devices for everyone. I reckon there would be a business chance emerge in the free market to distribute / sell extremely cheap mobile phones to people who don’t otherwise have one. Maybe $10 cost, but it can handle multiples of that in throughout.

Similar to other free services, the company selling the phones might be able to claw back value in other ways and give them away for free, instead bundling their micro loan service or other product on the phone etc.