That is fine for opening a deposit account. The fraud we're talking about is for obtaining credit or future financial obligations. It is wrong to let this be done with so little proof of identity and enforce the obligation in courts.

Banks have notaries of the public. After you have established a relationship with a bank, the notary may have enough evidence to authenticate you for others. If you have continued to use the bank in an anonymous manner, then you should not be authenticated to others.