The largest bank in Japan was flabbergasted that I sweet talked them into getting a business bank account for Starfighter.

Some things I wouldn't agree with: Personal bank accounts aren't challenging given a medium term status of residence. Wire transfers should be trivial for anyone capable of running a business; you just have to ask and not sound like a drug lord while doing so. Credit cards are easily available, including to foreigners (surprisingly so from some issuers), though corporate cards are much harder. Capital requirements functionally don't exist anymore; you can open a 合同会社 with 1 yen and you can convince large banks to open a business bank account with e.g. 10万 as an opening deposit.

(For anyone starting a company in Japan who wants to talk banking stuff I'd be more than happy to; this is very relevant to my professional interests these days.)