It's definitely a problem in the US. When setting up an account with treasury.gov there's a good chance you'll have to verify your identity, and the only way to

It's definitely a problem in the US. When setting up an account with treasury.gov there's a good chance you'll have to verify your identity, and the only way to do that is to go to a bank that you do business with that has a "Medallion Guarantee." I wish we could get to the point of having government issued smart cards for verifying identity. I would be elated if my US passport also functioned as a smart card.