In a modern society, most do. You can work under the table, you can cash your checks at Walmart and you can pay your bills with money orders or at a payment location - so far. But most people work for a living and they get paychecks. The moment that happens, government can (and does) interfere. You can squat in your defaulted house if you wish as well. I will conceed that in this event sooner or later the bank will send someone perhaps with a weapoon to your home. the moment you draw on that person the rules change so, as some have been maintaining (especially Rob Roy), force may be applied.
Most times however, none is needed, there are far too many other ways for the government to apply pressure.