Of course everybody has a bank account, but that's pretty much useless because there is no good option to pay with it (I'm assuming nobody creates a Click&Buy account just for Lion). Most payments here (Netherlands) are done via iDeal, because you pay through the online banking account from your bank (so essentially, everybody has access to iDeal payments). And if iDeal isn't an option, you can pay with PayPal 99% of the time.
Except with the iTunes/App store.
Don't you get a card with every bank account you create automatically? They didn't even ask me when I did mine (I was 19), I signed up and a few days later my card was in the post. Plus I don't think you can use PayPal without one either, so, it's pretty useful!