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Re:No Fixed Address Bank Account by version_five on Sunday May 08, 2022 @07:42AM (#31303169)
The need for an address is incredibly outdated imo. Not just for banking but for anything. It's the equivalent of when places used to want to to give a home landline number.

I think there needs to be more discussion about how we move away from addresses to some other kind of basis for taxation, education, health, etc (not blockchain), a real answer that lets me declare my residency on the highest territorial level possible and transact electronically or to a physical location I pick

Re:No Fixed Address Bank Account by bfz on Sunday May 08, 2022 @08:18AM (#31303378)
I'm not sure I have the faculties to address what bothers me about this comment, but there is so much tied to traditional society the comment seems to ignore.

- Voting districts - obviously tied to physical land, with different styles of vote counting system per area, often according to local cultural needs. I come from a society where special voting considerations exist in order to achieve actual peace. Prior to that system being introduced, there was war. The right to vote and the manner in which the vote occurs is an essential and inalienable attribute of all democratic societies, often deeply saturated in historic customs taking centuries of diplomacy to achieve stability.

- Public services - voting and taxation are directly related to policy in a local area. The tax that I pay my local council is accountable almost directly to me because I can schedule an appointment with the very people whom I elect to spend my taxes as I desire. My physical address in that locale entitles me to an opinion on the use of those taxes, and a stake in ensuring awareness of local policy, and that the policy works for myself and the people around me.

- Land rights - a requirement for a physical address, or the alternative of no requirement for a physical address, (is/is not) an implicit endorsement of land ownership and encouraging long term placement of people within fixed communities. Community quality and composition varies greatly across every region of the world, and for folk spending most of their life inside cities, it is easy to forget the concept of a community exists. Establishing a physical local presence is essential for many kinds of growth, not least, starting a family and therefore the continued growth of a healthy society.

So to summarize, I think what bothers me is that the only possible way to arrive at what the parent comment suggests would be to avoid participating or contributing to any of these essential traits of civil society, which is to say it is an opinion explicitly rooted in contributing to civic decay. It's not "incredibly outdated", a physical address comes with many essential implications that ought to be encouraged.

Re:No Fixed Address Bank Account by DoreenMichele on Sunday May 08, 2022 @09:24AM (#31303756)
There have always been travelers in the world. They have long had friction with settled peoples who feel a fixed address is essential.

Even American military members have friction with the rest of America over this. It just gets mitigated by the fact that the federal government makes accommodations for them.

Military members historically had trouble opening local bank accounts so there are military banks on military installations and when I was a military wife I could cash a check at the PX/BX because banks don't like cashing out of town checks.

This is not just a homeless issue. This is problematic for all kinds of people with nomadic lives and this has long been true.

Re:No Fixed Address Bank Account by ghaff on Sunday May 08, 2022 @10:14AM (#31304175)
Of course, it's all tied up with state government too. You need to be a resident of some state to get a driver's license. And no high tax state wants, say, Nevada to offer state residency that puts your name on an office door in exchange for an annual fee. Then there's voting/jury duty/etc.
Re:No Fixed Address Bank Account by DoreenMichele on Sunday May 08, 2022 @10:56AM (#31304642)
Well heeled people already do pretty much as they please. Own a house in one state, travel as you see fit in your RV or whatever.

It's only a serious hardship for poor people.

Re:No Fixed Address Bank Account by yazaddaruvala on Sunday May 08, 2022 @05:36PM (#31308352)
Maybe it’s better to think of local government as a Proof of Stake system. Where you Stake the value of land+house as collateral (using an address) to access trust based services like voting, banking, etc. such that everyone is clear that you can pay the annual fees or penalties (if ever applicable) for that local government / bank.

Sadly that does mean poor people who can’t stake capital or spend capital on rent in an area get left out of the system.

What would a system look like that didn’t use Proof of Stake as collateral to get people access to trust based systems?

Re:No Fixed Address Bank Account by pyuser583 on Sunday May 08, 2022 @11:47PM (#31310391)
I live in a town with tons and tons of students. They live here for a few years and move on.

I’m glad they avoid voting. They’d just vote for high taxes, which they wouldn’t have to pay for very long.

The city has a good system for dealing with political activism by students: there are a ton of unpaid committees with actual power - but exercising the power requires jumping throwing hoops to make sure it’s used well.

In practice this means students can get lots of influence, if they’re willing to put in the time and effort.

That seems like a good system to me.

It also makes me very cynical about voting in general. The fact that someone is willing to wait in line for 20 minutes and check a piece of paper says little about their ideas.

Spending 20 hours a week - evening and weekends - to research and write reports shows you care.

Re:No Fixed Address Bank Account by yazaddaruvala on Tuesday May 10, 2022 @06:01AM (#31325293)
Proof of Time frankly is really just Proof of Stake with a different monetize-able asset.

Not to say the time isn’t worth it, or doesn’t need to be put in. I just don’t feel like it’s substantially different (for the purpose of this conversation) to buying a house in the area. ie. The homeless can’t spend time on committees.

Re:No Fixed Address Bank Account by pyuser583 on Tuesday May 10, 2022 @08:04PM (#31334217)
The Committee on Homelessness requires that some of its members currently be homeless, and other members be formerly homeless.
Re:No Fixed Address Bank Account by ghaff on Sunday May 08, 2022 @11:15AM (#31304795)
Even absent owning a house or otherwise having a permanent address in a given state, well heeled people probably have a stable/trusted relative or friend who can serve as a nominal permanent address and place to receive official mail. I did this for someone for a few years.
Re:No Fixed Address Bank Account by mperham on Sunday May 08, 2022 @11:47AM (#31305101)
A PO Box costs ~$100/yr.
Re:No Fixed Address Bank Account by leephillips on Sunday May 08, 2022 @12:08PM (#31305317)
Doesn’t work. Usually banks, for example, won’t accept a PO box as a residential address. They need to know where you actually live.
Re:No Fixed Address Bank Account by 13of40 on Sunday May 08, 2022 @12:38PM (#31305611)
There are private services that make it look like a real street address. The top hit when I just googled it was $9.99 a month, so pretty affordable.
Re:No Fixed Address Bank Account by leephillips on Sunday May 08, 2022 @12:49PM (#31305716)
Banks and some other entities have databases of these services. Some will not accept these addresses. They will let you use them for mail, but they will also require a physical address and proof that you live there. But others will not. It depends on which mailing service you use and which bank, etc. This is my personal experience.
Re:No Fixed Address Bank Account by skissane on Sunday May 08, 2022 @07:59PM (#31309158)
Recently, when I (in Australia) opened a US investment account, the US firm I was using wanted to see a utility bill to prove I actually lived at my home address. I ended up sending them a copy of my water bill, which they accepted.

However, if a person owns multiple residences, all that proves is that you own that residence, not that you actually live there at all. At least in my jurisdiction, landlords receive and pay water bills (and the tenant has to reimburse the landlord the usage portion of the bill), so a water bill could even be from an investment property one is renting out.

Re:No Fixed Address Bank Account by chipsa on Monday May 09, 2022 @09:29AM (#31313753)
With electronic billing, you can have a billing address that doesn't actually get a bill sent to it. So if you have something that doesn't require the actual physical address (like a cell phone), you can use that as your utility bill, and no mail actually shows up.
Re:No Fixed Address Bank Account by yencabulator on Tuesday May 10, 2022 @12:17PM (#31328887)
That's why cell phones bill aren't accepted as utility bills, for many cases. Electric, water, sewer -- these things have a physical connection, and that's what they want to see.
Re:No Fixed Address Bank Account by Spooky23 on Sunday May 08, 2022 @12:02PM (#31305244)
You need a physical address for many things.
Re:No Fixed Address Bank Account by skybrian on Sunday May 08, 2022 @11:14AM (#31304787)
Or alternatively, have a relative who will let you use their address? That seems a lot cheaper.

A hard case is combination of not having money and not having family.

Re:No Fixed Address Bank Account by DoreenMichele on Sunday May 08, 2022 @11:24AM (#31304888)
Homeless people frequently are homeless in part because they don't have any relatives they are on good terms with. Most of the world blames the homeless person and chalks it up to their presumed bad behavior but it's not unusual for them to be fleeing an abusive situation.
Re:No Fixed Address Bank Account by skybrian on Sunday May 08, 2022 @11:33AM (#31304979)
Yes, I should have said "not having family they're on good terms with."
Re:No Fixed Address Bank Account by madeofpalk on Sunday May 08, 2022 @05:27PM (#31308289)
This of course is a particular peculiarity with the US, having such varying state taxes.
Re:No Fixed Address Bank Account by skissane on Sunday May 08, 2022 @08:17PM (#31309249)
It is actually very common in federal systems to have state/province-level taxation, driver's licensing, etc. I don't think the US is particularly peculiar here at all. Canadian provinces also have individual GST and income tax rates.

In some ways, I'd say Australia is actually more peculiar than the US, in that the Australian states have significantly more limited taxation powers than American states or Canadian provinces do – here, the federal government banned state income tax and state sales taxes (GST/VAT), forcing uniform national tax rates and collection for both. However, Australian states still retain the power to levy some other taxes independently, such as land taxes and payroll taxes.

Re:No Fixed Address Bank Account by Spooky23 on Sunday May 08, 2022 @12:03PM (#31305256)
There’s other weirdness too. CDLs are different between states. Oregon used to issue lots of shady licenses to undocumented and on the run type people.
Re:No Fixed Address Bank Account by zabzonk on Sunday May 08, 2022 @11:18AM (#31304820)
Is this a USA thing? As a child of an RAF pilot who moved around a lot (here and overseas), I have never encountered this. My Dad had the same bank account all his life, at the bank in the town he was born in, in the UK, and never (as far as I know) had any problems cashing cheques etc. back when such were things.
Re:No Fixed Address Bank Account by ISL on Sunday May 08, 2022 @12:01PM (#31305238)
Not cashing out of town checks (especially in large amounts) is definitely a thing in the US.

For larger transactions, it is also common to get a "cashier's check", drawn on the bank's own accounts to minimize the seller's counterparty risk.

The rationale for the in-town restriction is also to limit counterparty risk: if the check is from an unfamiliar bank, it is more likely to be bogus and the seller won't be able to verify the account with a quick call to a known bank nor expect to be able to address fraud within the local law-enforcement framework.

Re:No Fixed Address Bank Account by zabzonk on Sunday May 08, 2022 @12:08PM (#31305308)
I take your word for it, but I rember getting cash on my UK credit card several times when I've worked in the US. Of course, these were for small amounts, and the credit card company were the ones finally at risk.

I have suddenly had a vision of Clint Eastwood, in High Plains Drifter mode, riding into town and attempting to cash a cheque :-)

Re:No Fixed Address Bank Account by maccam94 on Sunday May 08, 2022 @12:56PM (#31305774)
Credit/debit cards and checks are totally different systems. Cards can be checked for available funds instantly. Checks need to be cleared through the ACH system (in the US at least), which is an asynchronous process that might take more than a day to complete. If you cash a check from a different bank at your own, usually it will actually draw funds from your account and the check will be deposited after it clears.
Re:No Fixed Address Bank Account by zabzonk on Sunday May 08, 2022 @01:05PM (#31305867)
It's been a long time since I had a cheque book, but way back then the cheque at the bank (not for electricity payments and such) trying to get money needed to be backed up with a bank's card, and the risk was on the card issuing bank.
Re:No Fixed Address Bank Account by couchand on Sunday May 08, 2022 @03:08PM (#31307134)
I'm not familiar with UK banking but this sounds like something lost in translation. The checks the ancestors are speaking of are personal checks, basically just an IOU -- I'm guessing this is more like your "for electricity payments and such". The cashier's check mentioned above sounds to be more like your "cheque at the bank", where the instrument carries value itself, rather than being a draft on the writer's account.
Re:No Fixed Address Bank Account by Spooky23 on Sunday May 08, 2022 @12:01PM (#31305236)
It was. The US has/had a distributed banking system with thousands of banks. It’s archaic and stupid.

Basically, you can tell from the routing number on a check where the bank is. Back in the day, if the bank wasn’t from NYC or the same region they wouldn’t honor the check. Checks were mailed between clearing systems and would take weeks to clear. My dad maintained a bank account at the Bank of New York specifically for business travel in the 80s.

That’s mostly gone now as ACH is automated and quick.

Re:No Fixed Address Bank Account by nine_k on Sunday May 08, 2022 @03:55PM (#31307573)
The problem is that the US is rather larger than the UK, so a distributed system was (and maybe still is) a natural fit. For the same reason, all the citizens of the US can't just come to one place and vote for a President, like ancient Athenians could.
Re:No Fixed Address Bank Account by s0rce on Sunday May 08, 2022 @01:19PM (#31306019)
I was paid by the Canadian government through a fellowship while I attended graduate school in the USA. They paid my entire years fellowship in a single check which clearly said Government of Canada, however, the check was denominated in US dollars and drawn on a US bank, yet I still got a lot of confusion and difficult when trying to cash it and had to convince them it was, in fact, possible.
Re:No Fixed Address Bank Account by DoreenMichele on Sunday May 08, 2022 @11:25AM (#31304902)
I'm American, so, yes, I'm describing my experience with the USA.
Re:No Fixed Address Bank Account by Angostura on Sunday May 08, 2022 @06:18PM (#31308604)
One of the advantages of Empire :)
Re:No Fixed Address Bank Account by pyuser583 on Sunday May 08, 2022 @11:41PM (#31310353)
Yes, and “travelers” have historically had their own systems of law and governance.

The US military being an excellent example. Extraterritoriality for merchants was a big thing in the 19th century. Ecclesiastical laws was a big thing before that (not all clerics were travelers - monks needed their own legal system for the opposite reason).

But nobody said “screw physical jurisdictions” - they just created a new, non-territorial jurisdiction for a select few.

Re:No Fixed Address Bank Account by Angostura on Sunday May 08, 2022 @06:18PM (#31308599)
Fundamentally it's an issue of how people in a settle community, with communal rules and support handle people who aren't part of that community.
Re:No Fixed Address Bank Account by DoreenMichele on Sunday May 08, 2022 @06:44PM (#31308743)
It's frequently outright abusive of the nomadic peoples. People want soldiers to lay down their lives for national security, natural disasters, etc but then want to treat them as unwelcome outsiders, don't want to hire their spouses, will happily gouge them for rent, etc.
Re:No Fixed Address Bank Account by passerby1 on Sunday May 08, 2022 @10:32PM (#31309860)
> will happily gouge for rent

Making profit is the goal for renting out, right?

Re:No Fixed Address Bank Account by sausagefeet on Sunday May 08, 2022 @08:24AM (#31303412)
> So to summarize, I think what bothers me is that the only possible way to arrive at what the parent comment suggests would be to avoid participating or contributing to any of these essential traits of civil society

I don't think this take is very realistic. Most people want to live in a home with a static address. They aren't doing it because they need an address to participate in society. However, there are people who are more nomadic and the physical address requirement for some things can be a challenge.

Re:No Fixed Address Bank Account by Someone on Sunday May 08, 2022 @01:40PM (#31306231)
I concur that most people want to live in a home, but except for the fact that’s it’s engrained in the legal system, what do you really need a static address for nowadays? I could give suppliers lat/long coordinates of my front door or the route to my house, and my physical mailbox gets more spam than mail I really need, and the latter also could be delivered via email.

A static email address is much more useful (or, actually, a static digital identity)

Re:No Fixed Address Bank Account by nine_k on Sunday May 08, 2022 @03:58PM (#31307597)
How soon until we end up with government-mandated email addresses? Email is already a required field in many governmental forms in the US.
Re:No Fixed Address Bank Account by JadeNB on Sunday May 08, 2022 @01:17PM (#31305994)
> Most people want to live in a home with a static address.

Statistics can address what most people do do, but how can one possibly speak to what most people want to do? (Even if one could, I can believe that people's preferences are much less absolute than they are shaped by existing affordances; maybe some people who currently want one thing would change their mind if obstacles to the alternative were removed.)

Re:No Fixed Address Bank Account by yakubin on Sunday May 08, 2022 @09:25AM (#31303769)
Regarding voting, I think people who pay taxes should only be allowed to vote based on the place they pay their taxes in. It really annoys me that because I don't have a long-term address, I need to separately register where I live at a given time to vote in local elections, to have any say in what the money I pay in taxes is spent on, while there are many people who pay their taxes in one place and vote in another, where they haven't contributed a penny. Those things should be linked.
Re:No Fixed Address Bank Account by vineyardmike on Sunday May 08, 2022 @01:57PM (#31306380)
I travel a lot, I spend 50% of time at home in city A, 25% in city B and 25% in city C. Often when I travel it’s election time in some locality. Once in a while it’s an issue I have a strong opinion on, and I spent a lot of time in that city so I understand the issue. I’d love to be able to split my voting power by where I spend my time and offer 25% of a vote to city B’s impactful referendum. Instead I’m forced to pick only one city to call home even though I feel a sense of being at home in multiple places.

I think voting should be about where you physically are and where you spend your time.

Re:No Fixed Address Bank Account by dazc on Sunday May 08, 2022 @10:29AM (#31304346)
What about people who don't pay tax because they don't earn enough. Should they be allowed to vote?
Re:No Fixed Address Bank Account by ElevenLathe on Sunday May 08, 2022 @11:06AM (#31304740)
They still owe taxes, it's just that some years their obligation is $0.

Edit: also there are things like fuel and sales tax that almost everyone owes, even if they don't have to pay income tax.

Re:No Fixed Address Bank Account by yardstick on Sunday May 08, 2022 @02:13PM (#31306544)
I don’t think I should be eligible to vote in every city, state or country I’ve paid sales taxes in over a year.
Re:No Fixed Address Bank Account by reidjs on Sunday May 08, 2022 @12:34PM (#31305558)
You are basing this on the premise only people with a fixed address can provide value to society. One of the best classical guitarists I have ever met is homeless, living on the street, but provides extreme value to everyone within earshot. Doesn’t he deserve a bank account to safely store the few dollars he makes playing Mozart, Beethoven, and other works of art on the street? Would you rather he gets mugged by some criminals and loses everything he earned that day, week, month?
Re:No Fixed Address Bank Account by version_five on Sunday May 08, 2022 @10:24AM (#31304299)
I think your concerns are valid, but I think we can come up with ways to avoid them without forcing people to declare and be bound to a specific location.

Just want to add that for example in France there is a "gens du voyage" status for nomadic people that allows then to access government services without a fixed address. I don't know enough about it to say if it's successful, just saying there are options.

Re:No Fixed Address Bank Account by lmc on Sunday May 08, 2022 @10:14AM (#31304170)
I think this is a really interesting discussion. I'm a bit of a nomad myself and cautious of the things you bring up - if everyone behaved like this, there'd be no community development and things would decay. But, you already see this in more common situations, like the movement of young people to cities, e.g.:

https://www.bbc.com/worklife/article/20191121-can-tiny-aband...

Re:No Fixed Address Bank Account by bfz on Sunday May 08, 2022 @10:35AM (#31304402)
Just for some context, I was nomadic for well over a decade and consider that time an extravagant extension of youth, and a needless stunting of my growth into adulthood in absolute terms. By my late 30s I see no reason to encourage nomadism, or to celebrate or encourage others in the belief that it is a healthy way to live, it essentially amounts to the epitome of the dark side of individualism. When my children are of age, I would strongly discourage it for all the reasons in the original reply. Floaters don't grow - in the worst case they turn into "professional expats", and those (according to anecdotal experience) tend to develop into some of most fragmented and purposeless personalities on the planet by the time they reach middle age.
Re:No Fixed Address Bank Account by jcims on Sunday May 08, 2022 @11:07AM (#31304746)
Holy moly just because you couldn’t figure it out doesn’t mean that nobody else can or will.

I’d argue the opposite. Reducing friction with nomadism increases the likelihood of a pilgrimage and radicalization of hyper aligned internet communities into meat space.

Re:No Fixed Address Bank Account by zmgsabst on Sunday May 08, 2022 @11:41AM (#31305041)
Being nomadic post teenage years is natural among animals, particularly for males, before settling into a pack when mature.

I’d encourage you to not suppress that instinct in others just because you’re not currently in that phase of your life.

Re:No Fixed Address Bank Account by ambrozk on Sunday May 08, 2022 @11:55AM (#31305169)
Both of you are correct.
Re:No Fixed Address Bank Account by lmc on Sunday May 08, 2022 @11:15AM (#31304798)
Out of interest, where did you go, and what were your reasons for stopping?

I think I can relate to a lot of what you say. I'm not saying I'm doing things the right way, but I've met people that you're describing that are basically on a very long holiday.

It's a proper cliche, but travel has definitely broadened my horizons. I hope you don't discourage it too much - emphasize travelling with purpose, and when to stop.

Re:No Fixed Address Bank Account by bfz on Sunday May 08, 2022 @01:10PM (#31305926)
Mostly Asia. I stopped for exactly the reason in the previous comment.. I realized that what initially seemed like a fun and academic idea about the people I was meeting absolutely did develop into a fundamental life choice, after the umpteenth drink shared with someone who might have initially seemed eccentric and interesting, but had very little depth and purpose almost immediately below the surface.

The choice was to either seize the endless excitement of travel permanently, and further develop my own eccentricities at extraordinary risk of accomplishing little material, or swallowing my pride and acknowledging the dream of travel may have been a substantially emptier experience than originally promised.

This is not to say I did not "develop" - I met numerous people, swap emails, send Christmas gifts, had amazing experiences, and so on, but the question is what permanence these actions and relationships have, and at what cost those experiences are gained. I still itch - regularly - to jump on a plane to a country I have never been before. It is so easy to indulge in that sense of adventure. But I notice this comes most often during times of stress, and nowadays I always weigh that adventure against the actual costs of what I am leaving behind. Due to this, adventure holds very little of the appeal it once did, and I often wonder how many of those life-loving expats I met who did not admit to running from their old lives were still on the run from something, perhaps while living with complete delusion that they were only having fun.

On the other hand I did meet people who had found a real sense of belonging and purpose in their life through the foreign communities they interacted with, but even if I were one of those, over a long time horizon, I don't imagine the outcome to be so much different on every occasion. There are only so many children to educate and schools to build before the satisfaction gives way to the wariness of ones own ephemeral relationship to their environment, the only answer to which is yet more adventure, or the cold reality of going home and discovering what was missed in the meantime.

As another reply suggested - travelling with purpose makes a lot of sense. Some of the most interesting people I met were NGO or higher education placements there temporarily to accomplish a specific task.

Re:No Fixed Address Bank Account by lmc on Sunday May 08, 2022 @04:13PM (#31307723)
Thanks for sharing. Seriously.
Re:No Fixed Address Bank Account by iovrthoughtthis on Sunday May 08, 2022 @03:09PM (#31307160)
you sound fun
Re:No Fixed Address Bank Account by hungryforcodes on Sunday May 08, 2022 @11:53AM (#31305152)
Thanks for the judgement -- much appreciated!

On the other hand I was basically non nomadic until about 40 and always discontent. Then for the last few years have been working in different countries and love it. I also try and at least understand and if possible contribute to each culture I encounter in a small way. I'm not sure how that counts as fragmented and purposeless.

Re:No Fixed Address Bank Account by pmoriarty on Sunday May 08, 2022 @12:56PM (#31305776)
"I was nomadic for well over a decade and consider that time an extravagant extension of youth, and a needless stunting of my growth into adulthood in absolute terms. By my late 30s I see no reason to encourage nomadism, or to celebrate or encourage others in the belief that it is a healthy way to live, it essentially amounts to the epitome of the dark side of individualism."

Way, way too many people never leave the area/country they were born in.

By traveling to radically different places you can learn about different people, customs, and cultures. You can see how the norms you were brought up with aren't absolute and that good and bad people exist everywhere. Travel can really open your eyes to the humanity of every person everywhere.

You can also learn what it's like to be the outsider, the one that's different, who can't speak the language and so is not treated like the first class citizen you're used to being back home, you might learn what it's like to go through the bureaucracy of a foreign land, and hopefully this will all help to to develop some empathy for people from other countries and who speak different languages when they come to yours.

You can learn to engage with, survive, and thrive among people very different from you. Learning the customs and languages of other people and places can be very useful for both you and them, as you can act as an intermediary or unofficial ambassador between your own country/culture and theirs.

That's not to mention your seeing and experiencing all sorts of wonderful things you might never have imagined were you to stay in one place all your life.

There are so many great things about travel, though life as a permanent nomad or expat is not for everyone. At the very least, though, it can really open your eyes and your mind.

Re:No Fixed Address Bank Account by mr_toad on Sunday May 08, 2022 @08:27PM (#31309290)
> the epitome of the dark side of individualism

In short: anyone who isn’t part of the tribe is a dangerous threat.

Re:No Fixed Address Bank Account by gorgoiler on Sunday May 08, 2022 @06:12PM (#31308562)
I’ve always thought that voting, at the national level, might benefit from non-geographic constituencies.

The representatives might be for 24 to 34 year olds, unmarried mothers, children, prisoners, or of course the homeless. People who need more representation than they are probably getting.

The more categories you fall into, the more votes you get. Maybe that’s not a bad thing when faced with the status quo of money based politics.

It is a poorly thought out idea but your comment reminded me to give it some more time.

Re:No Fixed Address Bank Account by yencabulator on Tuesday May 10, 2022 @12:24PM (#31328961)
> I’ve always thought that voting, at the national level, might benefit from non-geographic constituencies.

The US voting system is uniquely bizarre and designed for vote manipulation by electoral district boundary fiddling. National level voting should just be by popular vote, like it is pretty much everywhere else.

Re:No Fixed Address Bank Account by hungryforcodes on Sunday May 08, 2022 @09:30AM (#31303790)
This doesn't work at all for people who move around. I might have an assignment one year in Berlin then another for two years in Bangkok, then another three years in Singapore.
Re:No Fixed Address Bank Account by sfriedr on Sunday May 08, 2022 @09:38AM (#31303853)
So how do you manage your banking and tax issues without going insane? Is your company providing you with high-quality tax advisors that help you deal with this issue?
Re:No Fixed Address Bank Account by jhugo on Sunday May 08, 2022 @10:17AM (#31304217)
It's not that complicated if you are just earning salary / self-employed income in places. GP's situation with those three countries -- given their fairly sane tax systems and streamlined reporting -- is probably about as complicated as an American's tax, especially if you have multiple states involved.
Re:No Fixed Address Bank Account by ghaff on Sunday May 08, 2022 @09:52AM (#31303960)
From my limited knowledge, companies do tend to handle the tax work for expats. In fact years ago when I was interviewing for an international position where I'd have been moving around a lot, as I recall, they told us something like they'd take some fixed percentage off our paychecks and handle the whole thing.

If you're on your own, you presumably have to hire an appropriate accountant.

This comes up even internally in the US if you're spending a lot of time in a number of states as a non-resident.

Re:No Fixed Address Bank Account by CryptoPunk on Monday May 09, 2022 @04:58AM (#31311962)
But why does one's address have to be fixed to provide these services / establish these qualities?

Society adapted to advance the listed social causes in the historical context where having multiple or frequently changing residences was far too costly for the average person to consider. But what if modern civilization makes this mode of living attainable for the masses?

* Information technology enables efficient markets for renting out housing for short durations.

* Modern financial technology enables these markets to become globally accessible with minimal processing fees and delays.

* Modern transportation technology enables people to travel globally very quickly and affordably.

* Modern construction technology enables people to build much more housing units per capita than in the past, which makes second homes, vacation homes etc more viable.

* Modern telecommunication enables people to work remotely, which makes a work life that is combined with travelling much more viable.

We could very conceivably see a significant fraction and even a majority of people consider themselves world citizens, and prefer to travel non-stop, with the change brought about by the aforementioned technologies. In such a setting, society could very possibly manage physical neighborhoods differently, without tying people to a district in order to procure the necessary resources to maintain said neighborhoods.

In terms of the social aspect, people may adapt by linking themselves moreso to virtual communities, in order to enable connectivity amidst physical travel and migration.

Society not currently being set up to work without residents who are tied to physical neighborhoods is more likely due to the majority of people historically not being able travel non-stop than functional societies not being possible without static addresses.

Re:No Fixed Address Bank Account by bfz on Monday May 09, 2022 @05:51AM (#31312252)
I think most of this comment can be answered by highlighting the difference between supposed "Internet friends" and "real friends". Over corona there have been a wide range of studies published on the negative effects virtual communication has had on education in particular, the strength and quality of the relationships children have managed to develop, and even the severe effect it has had in some cases on development of vocal skills and the ability to read emotion.

Information technology is only a tool, it is not, never has been and never will be a replacement for the real thing. A child cannot develop motor skills by climbing a virtual tree, a toddler cannot take shelter from a storm by dwelling in a virtual home. You cannot raise a child on an aeroplane without substantially reducing its quality of life and damaging its early growth. Thus continuance of the society that produced us and all the freedoms and privileges we enjoy (including air travel) is largely incompatible with these new tech-centric ideals.

In the normal case for that society to continue functioning, long term physical presence is required for development of its next generation, and nomadic world citizenry is largely a temporary (and abnormal) trait of those who are young, unwilling to reproduce, and primarily misallocate their capital to consumption and selfish pursuits. This trend is a significant contributor to the collapse in population growth rates across the western world and consequently directly impacts GDP, which is to say, the steady decline of our way of life.

Often immigration is offered as a solution to the population growth aspect, but immigrants quickly assimilate our culture and consequently our growth rates within a single generation (predictably as a result of their new privilege), meaning the qualities our culture celebrates cannot be worked around by importing replacement people to breed on behalf of the laptop class exploiting the spread between income and the cost of a beer in some remote reach of the world. Finally there are many signs that immigration may have reached a local peak as resource access concerns are beginning to dominate global politics for the first time in half a century.

For a little more context, I'm a tech native that has lived on the Internet since around 1998, this is mostly written as a rebuke of my former self, who had little idea of the practicality or implications of all the grand empty promises of technology. You cannot now and never will be able to replace a physical address with a transaction on a blockchain.

Re:No Fixed Address Bank Account by CryptoPunk on Monday May 09, 2022 @02:17PM (#31317776)
I entirely agree with you on the damage done by lockdown-imposed remote learning for kids. I don't believe we're at a place technologically where telecommunication can fully substitute for in-person learning. If left to our own devices, people would not have chosen to switch their children, en masse, from in-person learning to remote learning, for precisely this reason.

But as technology advances, I believe more activity will voluntarily migrate to electronically mediated, as this mode of interaction becomes more effective. This is especially the case if the law and institutions are adapted to make this mode of living more possible. People should have a choice to switch to this mode of living if they perceive it as advantageous. That is all I'm arguing for.

If my predictions of a mass-transition to an 'always traveling' mode of life don't pan out, then that means the technological evolution I predicted didn't emerge, and no one was harmed because they were able to discern that this mode of life was not advantageous, and avoid switching to it. So I don't see the harm in providing that option, just in case my predictions do pan out, and being able to switch to having a dynamic physical address turns out to be better for most people.

Re:No Fixed Address Bank Account by jdasdf on Sunday May 08, 2022 @12:58PM (#31305794)
>Voting districts - obviously tied to physical land, with different styles of vote counting system per area, often according to local cultural needs. I come from a society where special voting considerations exist in order to achieve actual peace. Prior to that system being introduced, there was war. The right to vote and the manner in which the vote occurs is an essential and inalienable attribute of all democratic societies, often deeply saturated in historic customs taking centuries of diplomacy to achieve stability.

People shouldn't be voting on local issues, land should.

Voting on local issues should be 100% correlated with your investment in that locality.

Re:No Fixed Address Bank Account by dragonwriter on Tuesday May 17, 2022 @11:34AM (#31412239)
> People shouldn't be voting on local issues, land should.

All issues are local on some scale.

Re:No Fixed Address Bank Account by ahtihn on Sunday May 08, 2022 @03:56PM (#31307583)
So back to aristocracy?
Re:No Fixed Address Bank Account by jdasdf on Tuesday May 17, 2022 @11:32AM (#31412202)
No, because aristocrats could be landless.
Re:No Fixed Address Bank Account by Avamander on Sunday May 08, 2022 @07:54AM (#31303232)
> a real answer that lets me declare my residency on the highest territorial level possible and transact electronically or to a physical location I pick

So a digital identity system needs to be implemented. Something akin to what quite a few countries have already implemented.

I'm unsure why it would require more discussion at this point. It's not hypothetical science fiction without practical examples.

Re:No Fixed Address Bank Account by Spooky23 on Sunday May 08, 2022 @12:05PM (#31305271)
Well to start, the assholes using a South Dakota trust held by a Nevada LLC to run a Delaware corporation would have a harder time hiding their beneficial ownership and might have to pay taxes.

Also the “mark of the beast” crowd is real, really loud and politically powerful.

Re:No Fixed Address Bank Account by Avamander on Sunday May 08, 2022 @12:47PM (#31305703)
> Also the “mark of the beast” crowd is real, really loud and politically powerful.

Can't that be bypassed by implementing the system but making it voluntary? That crowd is honestly quite unfathomable to me.

Re:No Fixed Address Bank Account by bragr on Sunday May 08, 2022 @01:12PM (#31305941)
> It also forced all people, great and small, rich and poor, free and slave, to receive a mark on their right hands or on their foreheads, 17 so that they could not buy or sell unless they had the mark, which is the name of the beast or the number of its name.

If it practically excludes people from transacting it kind of plays into the prophecy. That's how people go off on bank accounts and debit and credit cards as being the mark of the beast.

Re:No Fixed Address Bank Account by intellix on Monday May 09, 2022 @02:47AM (#31311319)
Massively agree, this has been annoying me for a while now. I'm only renting and the need for everyone to know my address which i'll only reside for a couple of months is so pointless. Also the need for people to see some utility bill to verify that i'm there is problematic when they're all in my landlords name.
Re:No Fixed Address Bank Account by timthorn on Sunday May 08, 2022 @11:40AM (#31305038)
> It's the equivalent of when places used to want to to give a home landline number.

Or today, when companies assume that everyone has a mobile phone - if not a smartphone?

Re:No Fixed Address Bank Account by asah on Sunday May 08, 2022 @08:38AM (#31303478)
Agree it shouldn't be a hard requirement, but fyi a secure physical address is pretty valuable for re-establishing relationships if electronic communication breaks down or is lost.
Re:No Fixed Address Bank Account by yencabulator on Tuesday May 10, 2022 @12:27PM (#31329000)
This sounds like something that could be provided as a notary style service. A letter addressed to an individual, only to be handed over on positive ID, care of local business providing this service.

Fun fact: The US Postal Service offers this service, for free. (Though not in an ideal way; they'll just match name to ID, don't uniquely identify an individual. All that would need would be to write a drivers license or such number on the letter too, and the USPS to confirm that.)

Re:No Fixed Address Bank Account by asah on Saturday May 14, 2022 @09:55AM (#31377937)
when handling substantial matters (big$, felony accusations, etc), I question the definition of "positive ID."
Re:No Fixed Address Bank Account by Spooky23 on Sunday May 08, 2022 @11:55AM (#31305172)
I don’t see it until biometrics and sovereign identity are a thing. The only people who really benefit are really rich people and really poor people. It also creates a dozens of hundreds of truly difficult problems.

In the US, people pitched a fit when the tax authority started requiring facial verification for sign in to access sensitive, vulnerable to fraud records, so it ain’t happening here.

The really rich people don’t really care, and nobody really cares about the really poor. Nobody cares in the least about the elderly. Everyone else has a home and has more to lose to the rampant fraud that happens when you make things like this easier.

Re:No Fixed Address Bank Account by Vladimof on Sunday May 08, 2022 @02:04PM (#31306466)
> It's the equivalent of when places used to want to to give a home landline number.

Lots of places still require a phone number (many email services do for example).

Re:No Fixed Address Bank Account by beamatronic on Sunday May 08, 2022 @11:06AM (#31304741)
Voting out all elected government officials over age 30 would be a good start to a better tomorrow.
Re:No Fixed Address Bank Account by refurb on Sunday May 08, 2022 @11:59PM (#31310462)
It's not outdated in the least. The vast majority of people have an address. Most people don't move that often. Hell, most people don't live outside the country they were born in.

Seem odd to design a whole new system for an edge case?

Re:No Fixed Address Bank Account by Hendrikto on Sunday May 08, 2022 @08:03AM (#31303290)
> (not blockchain)

Why not?

Re:No Fixed Address Bank Account by billpg on Sunday May 08, 2022 @09:03AM (#31303639)
Because blockchain solutions to anything are almost always awful. (And I'm unsure about needing the word "almost".)
Re:No Fixed Address Bank Account by White_Wolf on Sunday May 08, 2022 @01:54PM (#31306347)
Awful? Ignoring the crypto coins, I'd love to see all spending/funds in for governments, ONG, non-profit orgs, (mass)media channels, public hospitals, all companies that have shareholders/sell shares, anything that runs on public funds and so on should be tracked via publicly available blockchains. You can probably see where I'm going with this.

I have mixed feelings about banks, national banks, lenders, art trading, casinos, pawn shops and such though. I'm a bit worried about tracking private individuals at that extent because of these.

Re:No Fixed Address Bank Account by dbbk on Monday May 09, 2022 @09:32AM (#31313784)
Nothing about this requires the blockchain though. It's additional complexity for no gain.
Re:No Fixed Address Bank Account by billpg on Monday May 09, 2022 @03:30AM (#31311539)
You can do that without a blockchain. Have all those orgs publish their accounts in a form that allows for anyone to make copies and to audit that the published versions don't get modified over time.
Re:No Fixed Address Bank Account by FateOfNations on Sunday May 08, 2022 @12:59PM (#31305808)
I always replace "blockchain" with "distributed ledger" and see if the idea still make any kind of sense (it rarely does).
Re:No Fixed Address Bank Account by syshum on Sunday May 08, 2022 @08:33AM (#31303456)
I want politics and taxation to be more local in the smallest division practical, with extreme limits being placed on the power and scope of larger political organizations. In short I fully support US Style Federalism and oppose the move to make the US Federal Government all powerful

If I was in the EU I would support sovereignty of the nation states,and oppose efforts to make the EU Government all powerful

the move to make governments larger and all encompassing including calls for a 1 world government, are IMO a threat to individual freedom and will not have the desired effect you seem to think

Re:No Fixed Address Bank Account by rmah on Sunday May 08, 2022 @05:10PM (#31308172)
The idea that more power in the hands of local governments seems attractive. Even knowing better, it still seems attractive to me...

You imagine people knowing the lawmakers better. You think that the lawmakers will be more connected to the community. That they'll be more likely to protect the freedoms that they also want to enjoy. At first blush, this all seems reasonable.

However, if you look at history, the actual practice is the opposite of that. When power is mostly exercised locally (at the town level), over time, laws are passed to regulate the minutia of daily life. When shops can be open. Laws about who can work in which trade. Laws about who can use "public" infrastructure and when. Laws about what you can do with your pets. Laws down to what colors and fabrics your cloths are made of. And, of course, laws to protect their hold on power.

It turns out that people in power at local levels are nosy parkers who will try to force everyone they can to live the way they think is best. And they become generationally powerful. Sad but it's the historical reality.

Personally, my speculation is that it's because most people try to exercise all the power they're given. And since those local lawmakers don't have to think about "big" issues in a broader sense, they just make laws about "small" issues and deal with big issues only when they are pushed in front of them.

Re:No Fixed Address Bank Account by kybernetikos on Monday May 09, 2022 @09:46AM (#31313926)
According to Rawls, to make good laws, we need to make laws behind a veil of ignorance - law makers need to consider things at an abstract level. It's very difficult to get that level of abstraction when everyone knows the particularities of everyone else at the local level.

There's also the question of the size of the talent pool that you draw your leaders from.

Re:No Fixed Address Bank Account by syshum on Sunday May 08, 2022 @07:15PM (#31308902)
Well 2 things.

First I stated smallest practical, and with that it would depend on the power we are talking about, so the smallest practical for national defense would be the federal government, the smallest practical for professional licensing may be state level, etc.

Also in that idea of federalism also include natural individual rights that can never be violated at any level of governance, including property rights like when you can open your shop...

And when we talk about American style federalism one must also recognize the checks and balances of power that over the last 100 years or does have been worn down but not eliminated. These checks need to be strengthen so no single arm of the government can end up tyrannical like your fear

I recognize the possibility of local tyranny, I think American federalism has checks in it for that. However even in the worst example of city tyranny that is far and way preferable to the alternative of an all powerful federal government

Re:No Fixed Address Bank Account by sgjohnson on Sunday May 08, 2022 @08:39AM (#31303492)
Fun fact, US states have more freedom from the Federal government than EU member states have from the EU.

US states can basically just ignore or refuse to enforce the federal law with little to no consequences (immigration sanctuary states/cities, Texas no longer treating suppressors as NFA items, etc.), but EU member states can't. EU law is binding to all of them and there's no escape from it.

Re:No Fixed Address Bank Account by derriz on Sunday May 08, 2022 @09:37AM (#31303844)
That's quite a stretch.

US states cannot just ignore federal law - unless the federal law is deemed unconstitutional by the Supreme Court - a federal institution.

There are effectively no limits to US federal powers - while the treaties governing the EU enshrine the principle of subsidiarity[1] - and the powers granted to the EU are specified in treaties. A topical and obvious example is that the current Roe vs. Wade controversy just couldn't happen in the EU - as it's unrelated to trade or competition, the EU has no competence in this area. Or the idea of the EU imposing a health care system like the Affordable Care Act or deciding drug laws or gun control laws is unthinkable.

An individual cannot be arrested, charged, convicted and imprisoned for breaking EU law the way the feds can do in the US, regardless of state law. There are no EU prisons.

By any measure the US is far more centralized than the EU - money is power as they say and 64% of government receipts in the US are at the federal level while the EU budget represents only 2% of government spending in the block.

[1] - https://www.europarl.europa.eu/factsheets/en/sheet/7/the-pri...

Re:No Fixed Address Bank Account by sgjohnson on Sunday May 08, 2022 @10:15AM (#31304190)
> or deciding drug laws or gun control laws is unthinkable.

They have. https://en.m.wikipedia.org/wiki/Directive_(EU)_2021/555

This stupid thing almost caused Switzerland to leave the Schengen area, and it upset a lot of countries that didn’t want anything to do with it.

At least the complete ban on handguns (that the Netherlands wanted) didn’t happen.

As a firearms enthusiast in the EU, this actually upset me. Not that it affects me too much in the country where I live (I just can’t have 30rd mags, which is stupid, but it could have been a lot worse).

> There are effectively no limits to US federal powers

There is. The 10th amendment. Of course, there’s the commerce clause, that’s been abused ad infinitum.

Re:No Fixed Address Bank Account by pmoriarty on Sunday May 08, 2022 @01:08PM (#31305902)
"A topical and obvious example is that the current Roe vs. Wade controversy just couldn't happen in the EU - as it's unrelated to trade or competition"

The US Federal government has been very crafty in associating just about anything to "interstate commerce"[1] and thereby expanding its power enormously.

I'm sure the same thing could happen in the EU given some creative lawyering and a judiciary willing to swallow their arguments.

It's the appointment/election of particular judges and their willingness to craft or go along with certain arguments and interpret laws in certain ways that is really at the crux of how nations are governed.

Like the old saying goes: It's not votes that count, but those who count the votes. Likewise, it's not the laws that matter, but those who interpret the laws.

[1] - https://en.wikipedia.org/wiki/Commerce_Clause

Re:No Fixed Address Bank Account by blibble on Sunday May 08, 2022 @10:08AM (#31304117)
EU budget is far craftier than that

member state departments that are under its sole control are still funded by national budgets

the 2% is just the head of the snake

Re:No Fixed Address Bank Account by derriz on Sunday May 08, 2022 @11:08AM (#31304753)
The EU budget is tiny - under €150B euro per year[1]. And what's more it has being falling in absolute terms in the last number of year.

While the US federal government spends over $20 trillion a year. This isn't comparable at any level - regardless of any snake-anatomy analogy.

I'm not sure what your definition of a "member state department" is? But knowing something of the political set-up in a number of EU countries, none are under the "sole control" of the EU (commission I guess you mean?).

[1] https://ec.europa.eu/info/strategy/eu-budget/eu-budget-added...

Re:No Fixed Address Bank Account by seoaeu on Sunday May 08, 2022 @12:30PM (#31305533)
Your point still stands, but US federal spending is more like $4-7 trillion depending on the year. I assume you went based on Google’s answer box, which somehow confuses total GDP with government spending.
Re:No Fixed Address Bank Account by blibble on Sunday May 08, 2022 @03:08PM (#31307138)
that's because agencies used to implement federal policy (e.g. the FDA) are attributed to the federal government budget,

whereas the EU member state equivalents that implement EU policy get attributed to national budgets

the EU doesn't fund enforcement of the GDPR, the national information commissioners do

not having to pay to implement its policies makes the EU look many, many times more efficient than it actually is

Re:No Fixed Address Bank Account by syshum on Sunday May 08, 2022 @12:37PM (#31305599)
Doesnt the EU pass unfunded liabilities back onto the member states?

Meaning the EU will pass a law or regulation or program that the member states then have to fund with domestic taxes?

Generally speaking for the federal government, if they want to pass a program or requirement the federal government must also pay for that, for example the federal government could not require the state governments to put in bike lane on all road with out giving the states the money to do it.

That is why the Federal government is so large..

Also defense spending, We actually honor our NATO treaty by spending no less than 3% of our GDP on national defense, something the EU nations never do

Re:No Fixed Address Bank Account by syshum on Sunday May 08, 2022 @12:32PM (#31305546)
>>US states cannot just ignore federal law

They absolutely can and do. State government are under no compulsion to enforce federal law, nor do they have aid federal law enforcement. Sure the FBI can still arrest you but as a practical matter the federal government relies heavily on local law enforcement for support in their efforts and task forces.

The state governments can neuter federal enforcement by refusing to supply personnel and equipment or other support to federal law enforcement task forces and actions

Conversely the federal government also supplies (i.e bribes) local law enforcement with money, and gear to grease the wheel for that support.

The supremacy you are referring to with the Supreme court is about when Federal Law and State law conflict then Federal law would win over State Law. Personally I think this is bad but until there is a constitutional amendment to change it that is the reality. However that supremacy does not mean state law enforcement or governments must enforce federal law, only that they can not overrule/supplant a federal law with their own

>> A topical and obvious example is that the current Roe vs. Wade controversy just couldn't happen in the EU - as it's unrelated to trade or competition

Well according to the Current Draft our federal government did not have the power either. It is funny you mention trade, you do know that ACA is a trade regulation the constitutional power that allows ACA to exist is the interstate commerce clause of the US Constitution, that was MASSIVELY expanded in power by the court in the abomination / disgraceful 1942 Wickard decision which effectively made every activity a commercial interstate activity that can be regulated by the federal government.

Personally if the court is in the mood for over turning precedent someone should take a case to them aimed squarely at over turning that abomination, putting the federal government back into their proper scope and place

Re:No Fixed Address Bank Account by B1FF_PSUVM on Sunday May 08, 2022 @05:22PM (#31308254)
On the other hand, I still remember how, back in the 1980s, U.S. states that were reluctant to raise beer-drinking age from 18 to 21 were brought to heel: no federal funds for highways, I think it was.
Re:No Fixed Address Bank Account by 323 on Sunday May 08, 2022 @01:43PM (#31306261)
> EU law is binding to all of them and there's no escape from it.

Only in theory, in practice EU countries break EU law all the time, with minimal consequences. Some like Poland even openly, it recently said something like "we'll rather pay the fine than respect this particular EU law". EU states remain fully sovereign.

Re:No Fixed Address Bank Account by orangepurple on Sunday May 08, 2022 @11:33AM (#31304983)
The EU projects power in the same way the Federal government projects the majority of its power: under the threat of withholding funding for large projects
Re:No Fixed Address Bank Account by pibechorro on Sunday May 08, 2022 @08:45AM (#31303531)
this is the only sane way forward.
Re:No Fixed Address Bank Account by throwmeariver1 on Sunday May 08, 2022 @07:55AM (#31303233)
Yes, you are living in le cyberspace.
Re:No Fixed Address Bank Account by alar44 on Sunday May 08, 2022 @11:53AM (#31305151)
I don't think there needs to be any discussion. The 10k programmers living as nomads can get a PO box.

Problem solved. No need to reorganize society for the 0.001%.

Re:No Fixed Address Bank Account by devoutsalsa on Sunday May 08, 2022 @12:28PM (#31305515)
This is incorrect. I am a digital nomad w/ a PO box and it's not accepted by many financial institutions that do KYC. My credit union requires me to list a "real" address. My credit card company required me to list a permanent address as well. Any time there's a fraud alert on my of my accounts & I have to provide proof of residence, there's a good chance submitting a document w/ my PO box will not be accepted.

I use my dad's address for my permanent residence. But since I'm not on the utility bills, it can be hard to provide true residence. In one case, I had to write up a lease agreement & buy renter's insurance to get one of my accounts unlocked. They wouldn't accept a bank statement, my driver's license, or voter registration card. It was a real pain in the ass, and resolving it took a good 2 weeks.

Re:No Fixed Address Bank Account by rigrassm on Sunday May 08, 2022 @01:34PM (#31306173)
I do this exact same thing. Though, I have the benefit of sharing a name with my father so proof of residency had had never been an issue. It feels like cheating but it's so damn convenient lol.
Re:No Fixed Address Bank Account by devoutsalsa on Sunday May 08, 2022 @02:15PM (#31306564)
You have hacked the system. Bravo.
Re:No Fixed Address Bank Account by ghaff on Sunday May 08, 2022 @01:49PM (#31306306)
At least in MA for a driver's license, there are a lot of documents that can be used for proof of residency including things like cell phone and auto insurance bills.

Lots of people's names aren't on utility bills. They may be sharing a place with others or utilities may be included in the rent.

Re:No Fixed Address Bank Account by caymanjim on Sunday May 08, 2022 @12:26PM (#31305500)
Things you can't do with a PO box and no fixed residential address: get a driver's license; vote; prove to the last place you were resident that you're no longer resident and don't owe them taxes anymore; get insurance (vehicle, medical options severely limited); get a PO box in the first place.
Re:No Fixed Address Bank Account by d0gsg0w00f on Sunday May 08, 2022 @07:25PM (#31308966)
Do we want people with no address voting? I could think of all kinds of problems if people could just roam around voting in places where they have no skin in the game.
Re:No Fixed Address Bank Account by sandworm101 on Sunday May 08, 2022 @07:51AM (#31303218)
Because just letting people pick where they want to be taxed/sued/regulated doesnt work. Laws change from one place to another. Where you live matters to which laws apply to you. Where your bank account lives matters to which laws apply to it. Would you rent a london appartment to someone if you might have to sue them in Quebec should they fail to pay rent?
Re:No Fixed Address Bank Account by Avamander on Sunday May 08, 2022 @08:01AM (#31303275)
I don't think OP necessarily meant what they said on an international scale.

The first step would be to avoid the requirement when in the same city, state or country. To the extent possible, if there are legal reasons, maybe those should be reviewed. There are options for sure.

Re:No Fixed Address Bank Account by literallycancer on Sunday May 08, 2022 @08:44PM (#31309368)
Why would you have to sue them in Quebec? Legal persons work exactly like this. And they are able to rent stuff just fine, last time I checked.