This circles back to the anonymity issue though.. what level of authentication is required to obtain said card? Can I stand there and blatantly collect 20 cards

This circles back to the anonymity issue though.. what level of authentication is required to obtain said card? Can I stand there and blatantly collect 20 cards under different names? How does the bank know I'm not a terrorist which they are legally bound not to transact with? I suppose if they're just freely distributed from a vending machine, it just becomes plastic bills of arbitrary denomination.