For the ~95% I think banking must be smooth or there would be great outcry. In my experience the risk of becoming unbanked, even temporarily, has become worse

For the ~95% I think banking must be smooth or there would be great outcry. In my experience the risk of becoming unbanked, even temporarily, has become worse and worse for the increasing number of “outliers”: - a common name - previous victims of identity theft or doxxing - legal domestic cryptocurrency exchange use - privacy-minded people (VPN use, even accidental) - nomadic lifestyles (lots of IPs, a VOIP number) - a cash-first lifestyle - any negative credit or public records irrespective of time passed - bad press about you out there (yes, some products screen for this)