Everyone with 100 points of id can open a bank account. If you have very bad credit, or even officially bankrupt, you can get a debit that does not let you spen

Everyone with 100 points of id can open a bank account. If you have very bad credit, or even officially bankrupt, you can get a debit that does not let you spend more than you have, well mostly. But, that still leaves the newspaper commenters who have a friend of a friend who does not have 100 points of id or loses their card and bank details weekly.