Alas my edit time has ran out, otherwise I would update with your correction.

Thank you for correcting me with sources, it is appreciated.

The People I know who have no fixed address, told me how difficult it was to get an account. I know when I opened my account recently, I had to provide a whole host of information that wouldn't be possible to have if I was homeless. I made the mistake of projecting incorrect assumptions, confidently. I went full techbro, which is wrong of me.