In my country, at least, having a bank account is a right. You walk into a bank, say that you want an account and they open it on the spot, no questions asked (aside from a mailing address, but you can get that one even when you’re homeless).

The only time they will ask you questions is if you start with putting in huge amounts of money fast - then AML applies.

I know there is an issue with unbanked population in US, but it’s a regulatory one - it doesn’t have to be that way.