The reason the banking information and the GCKey are there is the way in which the Government of Canada can secure online information. It is a whole-of-government solution that has been put forward by Treasury Board Secretariat.
That said, we too recognize that veterans are struggling with it. From a usability design perspective, we know that this is one of the greatest barriers. What we have done is put a pop-up screen on My VAC Account, and it actually will delineate why this is happening and the steps that one must go through to log on.