What lengthy process? If I want to have a credit card, I have to submit a form and wait a few weeks before I get my credit card. If I want to buy BTC on an exchange, I have to submit a form and have to wait a few days before I can easily buy BTC there.
Unlike circle.com example in my post above, I was able to sign in, register, verify, and deposit to kraken with SEPA, all in two hours.