"give a homeless man a bank application form. and he will starve waiting... give the man a QR code and he can instantly earn a living"
There's your mistake...
You can't get an application form that easily in most banks in the UK anymore. You have to have an scheduled 'interview' where they'll give you the application pack. But as a homeless man, they'll ask first if he has an address, if he says no, they'll not even give the scheduled 'interview'.
You have to have an 'interview' for the 'privilege' of giving them
your money.
So backward.
Seems weird that you have to meet anyone. I have never been into my bank. Never talked to anyone in the bank. Just loged in and set up the accounts i wanted.