HoP should be able to open bank accounts on IDs that don't have one

[RSOD]

Pretty much what the title says. Let the head of personnel try to haggle the nukies into signing up for a banking account, or the shambling changeling that's actively killing everyone. or get yelled at by the AI for a bank account because even silicons deserve money.
This should require ID access, so silicons don't make 700 new bank accounts and give each of them thrice the captain's salary.
works with agent cards too!