I was born in Argentina, I understand the pain. People that don't have credit cards is mostly because:

a. they are not in the financial system, meaning they get paid in cash, etc

b. they get paid too little or they have debt so their score is low and therefore they don't get access to a card

Your solution seems to be more suitable for people that can actually access a credit card but they find them "hard" so they can opt for something like your solution.

Curious to hear your take on this.