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Portrait of T'Challa Williams at her home in Decatur, Ga., on Tuesday, Oct. 20, 2015. Williams is one of many who has been unable to use her RushCard, which, in this case, is a matter of life and death. Her husband has heart disease and needs to take medication to regulate his condition, and she needs the money on her card to pay for the medication. Photo by Kevin D. Liles for The New York Times

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Kevin D. Liles
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Portrait of T'Challa Williams at her home in Decatur, Ga., on Tuesday, Oct. 20, 2015. Williams is one of many who has been unable to use her RushCard, which, in this case, is a matter of life and death. Her husband has heart disease and needs to take medication to regulate his condition, and she needs the money on her card to pay for the medication. Photo by Kevin D. Liles for The New York Times