由于严格的核查程序,许多美国人为开立银行账户而挣扎,迫使他们选择代价高昂的替代办法。 Many Americans struggle to open bank accounts due to strict verification processes, pushing them towards costly alternatives.

尽管努力改善准入情况,但由于严格的核查程序和信用检查,许多美国人仍然难以开设银行账户。 Despite efforts to improve access, many Americans still face difficulties opening bank accounts due to strict verification processes and credit checks. 这影响到那些信用历史有限或以往金融倒退的人,迫使他们转向成本更高的替代金融服务。 This affects those with limited credit history or previous financial setbacks, pushing them towards costlier alternative financial services. 银行认为这些措施防止欺诈和洗钱。 Banks argue these measures prevent fraud and money laundering.