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I would think most would have to be paid in cash, right?

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They don't have to be paid in cash. Some are, yes. Many get checks. And like you say, "rip-off (but perfectly legal) joints" make a ton cashing their checks. And so does Western Union when they move the funds to Mexico and other points South.


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The business might pay taxes, but I don't see how anyone without a SSN could get a checking account.

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The businesses paying by check usually pay the taxes. Some just withhold and don't report. Undocumented workers usually don't have a need for checking accounts.