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Housewives in traditional Indian families are in the habit of saving small amounts of money, often taken from their husbands' earnings. The savings generally aim at serving the family during rainy days, or the "bure din".

Call it fate or coincidence, the poor homemakers are being forced to break their secret piggybanks, largely concealed in daal ka dabbas in kitchens, at a time when the government promised "achhe din".

PM Narendra Modi’s war against black money is proving to be a "surgical strike" - but mainly on the poor. Amid confusion over "achhe din" and "bure din", as of now, it’s a nationwide din. While the fate of black money is uncertain, at least three poor people have died so far.

The first reported victim was Tirtharaji, a 40-year-old washerwoman in Gorakhpur. Carrying two notes of Rs 1,000 denomination, she died allegedly due to shock when she learnt that banks will not accept her money.

But then, how many Indians transact through banks? Estimates suggest that in India, there are a total of 310 million savings bank accounts. But given the number of multiple accounts, the total number of individual saving accounts may not be more than 200 million.

This means that 83 per cent of the population does not have access to bank accounts, despite the Modi government's record-breaking feat of getting opened over 220 million accounts under the Jan Dhan Yojana since its launch on August 15, 2014.

Banking is still greek to the majority of Indians. In the coming days, the nation might get to hear some more heart-wrenching stories, wherein a typical drunkard husband beat his wife to death on discovering that she had saved over Rs 10,000 in a daal ka dabba for the marriage of their daughter, than having offered him this money for booze.

While the poor are bearing the brunt, what about those with illegal money, who were supposedly the main target of this war against black money?