I remember some banks allow users to open a bank account online if the documents are enough but they will let the account under high restrictions such as low deposit and withdrawal limits, no internet banking or at least can't able to wire over certain limits until the account holder provides all the documents by the bank office.
Even if the account opened online have less deposit/ withdrawals limits, yet the scammers are happy scamming to that limit and getting the free money. Give them any loopholes and they are ready to exploit them.
I guess the banking system becomes more lenient which is one of the reasons why they started to fail at some point.
The banking system is not lenient, they try to give facilities to their customers that they can open accounts and do all the transactions while staying at the comfort of their homes. However, they should introduce more strict measures like thumb verification and facial verifications and due to the advancement of the technology, these things can be done online.