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

[BadShot]

I do agree with this. I always found it annoying when I make a spare ID for someone who fell into the lava pool in the lava moon. They can't acces their bank anymore.

You can access an account so long as the name matches and you know the PIN tied to the ID

So you can access Staffy McToolbox's account with a spare if the name is the same even though the PIN on the spare is 1111 when their default pin is 2222