My girlfriend and I opened a shared bank account in December. It was five minutes in the capital one app and we had a debit card less than a week later. I’ve

My girlfriend and I opened a shared bank account in December. It was five minutes in the capital one app and we had a debit card less than a week later. I’ve personally opened 4 bank accounts (including that one) through 3 different banks over the last two years and each time was a similar process. What world do you live in where opening a bank account is somehow getting more difficult instead of extremely less?