"Disruptive" online banks offer to cushion the pain of being in debt. Sooner or later the price for this cushion will be to push their customers a little faster and further into debt.

If you are unable to make ends meet, you need to find cheaper alternatives (don't buy something if you don't need it, share facilities with others rather than getting your own), and fight for higher wages (join or start a union, campaign for progressive candidates).