This is part of the conundrum I was talking about earlier. Often you will find a payday loan institution very close to a bank branch. It's exactly as you say; it's not because of abandonment. If you look at the practices of payday lenders, they require you to have a bank account, so it's not the absence of an account.
In the banking sector, identification required for opening accounts is all mandated by statute. It's set out very clearly in the regulations. It's for that balance between accessibility and also knowing your client. Nowadays, with all the concerns about who's opening accounts and for what purposes—terrorism and so on—we have that “know your client”; it is that very careful balance.
We haven't nailed exactly all the motivations, and it could be that this is one of them.