Homeless guy can open a bank account but it may be problematic in some countries. Alternatively, it can be simply a destitute alcoholic or a drug addict who has someplace to live in.
As for the ''anononymous bank account'' it is only the cost of a prepaid card, about 3.7.
Well, I don't think that banks in most Western European countries would give a homeless guy so easily a bank account, when they don't have a fuckload of documents etc.