Yes, and you are free to use a better bank that sucks less. There is no escaping the need for identification. The easy approach is probably debit card number

Yes, and you are free to use a better bank that sucks less. There is no escaping the need for identification. The easy approach is probably debit card number which most accounts already have and is check summed to catch most input errors. QR codes could be used to transfer the info easily between friends and eliminate input. If banks won't address this properly, 3rd parties will step in and add this on top of the underlying payment rails with wallet apps. Obviously, the essential thing is to get the rails in place first.