Having account in international bank or a bank abroad may not be possible or allowed everywhere. But maybe I'm wrong. And anyway, too many don't have the knowledge and means to open such an account (I expect that most banks will need the people go in person open the account, for example)
I don't say that the ideas you wrote are bad. Just they may not be doable for everybody.
As I said, you need the money and the information.
If you have a few thousand dollars to invest in the bank, you can find a bank basically anywhere.
There are also some new fintechs like n26.com which allows basically anyone anywhere in the world to open an account in just a few minutes (I have an account there and I have never been to germany). However, they have restricted a few countries recently. You can check there if you need.