Is the fiduciary model a common thing for freelancers? I'm not sure of that. I was wondering how hard is for a non US contractors/freelancers to open a US bank

Is the fiduciary model a common thing for freelancers? I'm not sure of that. I was wondering how hard is for a non US contractors/freelancers to open a US bank account and then use something like stripe to collect payments. Or maybe collect the money through the bank. That's a real need: a way to easily get paid without using Western Union or the like.