By 9 am, the line outside a bank in Bundelkhand in central Uttar Pradesh is staggering. Bihari Das is exhausted. He walked ten kilometres to get to this bank - for the fourth day in a row. "It's incredibly frustrating for me. I can't afford to do this each day, but I have to," said the 65-year-old farmer. Each time he has made his exacting journey to the bank, the cash has run out before he could get his turn.