Someone opens an account in your name, order 2fa credentials (to your real address), pick ups the letter and manages to convince the people at the counter that

Someone opens an account in your name, order 2fa credentials (to your real address), pick ups the letter and manages to convince the people at the counter that he is you, and voila, full access to all accounts. It was a pretty common one a few years ago. Nowadays I think they require you to go to a bank office to pick it out.