That’s moving the goalpost.
There isn’t any barrier to programmatic banking. The use case is too narrow for it to be a widely-advertised service.
> There isn’t any barrier to programmatic banking.
There absolutely is, there's no open API for this.
There is a difference between not being able to and not knowing how to. You can. There are no-minimum balance API banking interfaces. There just isn’t a common enough use case for them to be heavily advertised.
We can move the goalpost again to an open API, but that’s another thing once more.
Yes, easily.
It would take a phone call, since I haven’t set up the rails to do this. But “I need ten thousand sequentially numbered checking accounts with wire privileges” is a perfectly fine (if odd for an individual customer) request. (Almost any process requiring that many accounts is being done wrong.)
Granted, I have a private banker. But there are services who provide this to e.g. fintech companies setting up and destroying single-use accounts on the fly.
Anyone can do this now with HD wallets.