Someone with some sort of identity and address should be able to withdraw your bank account until proven guilty?

I think that's what people are suggesting maybe voting should have.

We certainly could have decently secure elections without ID. Like this: You show up to vote in person, a good photo is taken, and you say who you are. That info is then made public. Political parties and other interested groups can sift through the photos, maybe with an AI, to find any crime.

It's almost perfect. The main trouble is that fraud detection happens after the voting, so a person who doesn't fear prison can do as desired.

There are two possible kinds of voter fraud (both extremely rare), "retail fraud" (i.e. individual voters) and "wholesale fraud" (i.e. bulk fraud). Voter ID laws mostly "fix" a non-existent problem of individual false votes with the express intent of discouraging votes. The real problem you want to fix is "wholesale fraud" which means securing the whole system from voting machines (which should be open-source and paper-audited) to how votes are tallied. Think about it. If you were going to steal votes would you go to all the trouble to forge or hijack individual votes or would you bribe someone to flip a couple of digits at a county office?

Of course, a trustworthy system includes how mail-in votes are tracked and verified but that is a well-understood problem working well for thousands and thousands of absentees, military personnel and whole states full of people who have voted that way regularly for decades.