Using archive.org as a CDN at the scale of Cloudflare would be an immediate death sentence for archive.org.

I mean there are plenty of legitimate reasons. If you want to give your child financial autonomy so that it can learn to budget, I think an online bank account may be a good idea.

But I don’t get the OPs point though, many banks offer adult-managed accounts until majority that only need an ID, not a face scan.