The only thing that can stop people from being debunked for various bullshit reasons is a legal mandate, explicitly establishing a right to a basic bank account

The only thing that can stop people from being debunked for various bullshit reasons is a legal mandate, explicitly establishing a right to a basic bank account such as e.g. EU payment services legislation does. Even convicted fraudsters should have a right to participate in society by being able to receive and make electronic payments.