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     EduGorilla 
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    Vast numbers of Indian citizens without bank accounts live in rural areas, are financially and functionally illiterate, and have little experience with technology. A research study was conducted in a particular area in which electronic wage payments in Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) are meant to go directly to the poor. It was observed that recipients often assume that the village leader needs to mediate the process, as was the case under the previous paper-based system. Among households under this research study area who claimed to have at least one bank account, over a third reported still receiving MGNREGS wages in cash directly from a village leader.

    What is the most logical, rational and crucial message that is implied in the above passage? 

    Options :-

    1. MGNREGS should be extended only to those who have a bank account. 

    2. The paper-based system of payments is more efficient than electronic payment in the present scenario. 

    3. The goal of electronic wage payments was not to eliminate mediation by village leaders. 

    4. It is essential to provide financial literacy to the rural poor. 

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