About 3% of the us adult population doesn’t have government issued photo id. So if the issue is forgery say so, it’s not a lack of id or a cultural norm against it.
Add on top of that undocumented people or the issues surrounding the Native American population and their partial autonomy rights, and it becomes a mess very very quickly because it won't stay at "about three percent".
For example: https://www.reddit.com/r/Banking/comments/1csl00q/any_banks_...
Zero. Because FINCEN/KYC[0] laws in the US mandate identification for all customers.
Which means that at least 3% of the populations is "unbanked"[1]:
Some reasons a person might not have a bank account
include:
Lack of access via a nearby bank branch or mobile phone
Minimum balance fees
Distrust of the banking system, typically due to lack of transparency
regarding fees and deposit timing[1]
No access to government-issued ID, which is required to open a bank account
To avoid delinquent debts, such as creditors seizing the account in
judgements, or the government collecting back taxes or child support
[1] https://en.wikipedia.org/wiki/Unbanked
Edit: Fixed subject/verb agreement (laws/mandate)/fixed quote formatting.
https://www.bankhelp.gov/help-topics/bank-accounts/required-...