ID is only required after a quite lot of money gets transferred to it, at least it was so in recent past. IIRC it was over EUR 9k per annum for me a few years ago. Also faking picture of ID is quite trivial FWIW. In the worst case you could just buy bunch of cheapest fake IDs. Also there is such thing as hobos selling their ID for a small sum of money.
There are plenty of people providing access to their accounts for a small fee, not realizing the trouble they're getting themselves into.
We have this crap going with micro credits. There is some online job offer. "Employer" asks for access to "employees" bank account to "verify ID". Fools give it, often creating new bank account, as they think there is no money on account anyway. Then scammers get as much money as they can from micro-credit organisations transferred to this account and then transfer it away. And fools get to pay all of the debt
.