Anyway, banks are already addressing banking issues themselves such as lack of a valid ID or a permanent address.
That's good to hear, though I don't know any of the details of what banks are doing. What I do know is that there are a lot of people who don't have permanent addresses--whether they're living on the street or in a shelter--and who need banking services. Fortunately in those cases if they receive assistance from the government (at least in the US), they can deal with social service offices in their local county and can usually get a food stamp card which also functions as an ATM card if they get cash benefits.
Well, in my country, in the absence of a valid ID, there are certain documents such as birth certificate, National Bureau of Investigation (NBI) clearance, police clearance, village certificate, and so on which could be used as identification documents. To someone who doesn't have a permanent address, one could simply request for a certification from the village saying that he/she is a resident of where he/she is currently staying.
The point is, if people are really interested to open a bank account for whatever reason, they could.