... can be a challenge for people without sufficient identification.
It's not as straightforward as simply getting or maintaining one's identification. Think of the fees to renew most types of government-recognized ID. People of very low income haven't room in their budgets for such expenses. I have been unable to renew my Canadian citizenship card or passport, which I should have done in 2003. The fees for renewal are $100-plus and the application must be accompanied by a new photo, an additional $10 minimum cost.
All of which means that when a service to which most people have access requires that one have ID, people of very low income can be blocked from having equal access. Banking is one such case.
Now there's news of the Toronto Dominion bank relaxing some of its restrictions. People in British Columbia receiving government social benefits are being encouraged to get an account, rather than being blocked from doing so.
It's about damn time.
It's also about damn time, governments waived all fees, subject to a person's income, for the renewal of necessary documents. After all, it's governments' own rules that make certain documents mandatory.