richms: They _really_ dont want to do something like that, because of how many people in the US are without banks and rely on prepaid or employer provided debit cards that dont really support the address verification.
Thats a good point.
In the USA, many companies like McDonalds pay their employees using pre-paid debit cards.
It is much harder to open a general chequeing account too - you have to pass a credit check. Here you just dont get an overdraft allowance and they allow almost anyone to open a bank account.