I've never seen a school ask for proof of address in Europe. As for banks, it depends a lot on the country. While it's an issue for the homeless, it shouldn't

I've never seen a school ask for proof of address in Europe. As for banks, it depends a lot on the country. While it's an issue for the homeless, it shouldn't be for people who're staying at some temporary accommodation. For instance in Germany, where most banks ask for proof of address (the registration at your municipality), it's also trivial get a valid document from whoever is hosting you (landlord or main tenant, it doesn't matter, you don't have to be on the lease).