> Require physical presence in the bank with machine readable biometrics passport for account opening (just like everywhere else)
The problem with that in the US is that the US - unlike almost every other developed nation - doesn't have a requirement for people to possess a government issued ID card or a passport. The reasons for this are multiple: right-wing/"sovereign citizen"-type of people afraid of the government building databases or whatever, people exploiting illegal immigrants (aka well-connected farmers and meatpackers) who would not be able to pay their staff, and people on the left who see it as yet another expense to be paid by poor people.
The problem with that in the US is that the US - unlike almost every other developed nation - doesn't have a requirement for people to possess a government issued ID card or a passport. The reasons for this are multiple: right-wing/"sovereign citizen"-type of people afraid of the government building databases or whatever, people exploiting illegal immigrants (aka well-connected farmers and meatpackers) who would not be able to pay their staff, and people on the left who see it as yet another expense to be paid by poor people.