It's just that US does very little to no KYC upon account opening, instead relying on risk indicators (like IP address, and credit systems) at the outset, and throwing flags way down the line if some 'unusual' activity happens in the account. This happens typically when someone really needs access their account urgently (real estate txs) or in unusual situations, which results in stories like these.

No other country has high-street banks (obv. excluding the 'tech'-banks of yore) that let me open an account without ever entering a branch or requiring a single piece ID