> Can you open 10k accounts right now? I'm sure you can't.

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.

Can you go to the middle of Cambodia (Tonle Sap) where there's no electricity and buy fish with bitcoin? You can't.... and my use case is a lot more realistic than yours. If you say you might be able to in a few years, then I can argue you might be able to open up as many accounts as you want at that time.