No one actually lost money they had DEPOSITED in banks, either in the S&L scandals of the 80s or the recent banking crisis. After the 1929 crash something called the FDIC was created which protects all deposits up to $100,000 per account. Investors may have lost money but no depositors.
Anyone who is "scared" to use a bank, or doesn't "trust" a bank is ignorant and/or misinformed. Even so-called "illegals" can use banks, you don't need to be a citizen to get a savings/checking account (and thereby a debit card that could be used to buy an iPad).
Something needs to be down about the scalping however, and while requiring credit card use is the easiest way there are certainly other ways. For instance, you could buy 1 with cash but buying 2 at once requires a credit/debit card. Or require some kind of in-store activation/opening/whatever if paying with cash. Something to discourage people from sending them overseas or selling them on CL.