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Identity shouldn’t be tied to a private institution that requires you to have a bank account to login.

Two of the well-used solutions to identity in the U.S. are login.gov (government-managed) and id.me (private, but used by government). Basically to get setup, at some point you have to have physical presence to get an actual government-approved physical ID, which can still be a barrier to some, but it doesn’t require a bank account.

Just don’t implement your own like Discourse and Tea.app.