Homeless often cannot qualify for KYC. They lack mailing address, phone number and other essential requirements. Bitcoin maximalists claim 4 billion in the world are unbanked. They cannot meet KYC or bank account requirements. I'm not certain imposing new regulation works in the favor of banks or the state. Over the long run these restrictions might show a need for bitcoin and paper currency, to increasingly greater numbers of people who are unhappy with KYC overregulation.