Forgive me if I am incorrect, its been years since I have used it, but don't you need to link a bank account and social security number to receive money from Adsense?
You could just get a check mailed. I lived in Europe then and got a check that I cashed at my bank. I didn’t have a SSN, so but maybe US citizens had to provide it.
Granted this was 15 or so years ago so things might have changed since then.
Nowadays BSA requires KYC. Any type of money transmission requires collection of enough PII to do an OFAC check to ensure you aren't facilitating activity to a sanctioned individual. Banks/clearinghouses are usually on the line for doing this for their clients.
For a while they just mailed paper checks on any month when the 100 USD minimum threshold was passed. If they didn't get cashed they'd send threatening letters about 'escheatment'. I think that stopped at some point about 10yrs ago. Not sure about what happened after.