The government wants to extricate the poor from the clutches of moneylenders. It has started the Jan Dhan Yojana to make banking services available to every citizen of the country. This will not be successful despite the good intentions. The Yojana will actually impoverish the poor by transferring their savings to the cities.
Thank those who do not respect you. They have given you freedom. When people respect you, they often take away your freedom. They expect you to smile at them, recognize them, and behave in a certain way with them. If they do not respect you, you are not obliged to answer their questions and you can drop all formalities. You can naturally smile or frown – you can be complete.