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Yeah it could just be the bank we use.I suppose it might vary between banks and states but you don't need a SSN to open a bank account in the US. Heck, I opened one a few years back.
Hmmm, I've been told something similar to this process by people I know that have managed to migrate. But it's not something I've gone through. It is clear to me that the process is longer than it has a right to be and pretty much broken. That's a different issue from what legal immigration in a country should look like though.
The US is weird on the whole proof of citizenship thing. I am from an honest to god shithole country and it's comically easy for anyone to prove they are a citizen. Government issued identification states your nationality and even that can be verified through government websites. The US not having this simply sounds like the government is not doing it's job. I am aware that in the US the whole proof of citizenship is mixed with voting rights issues... though it's a shame that democrats don't usually try to pass sane alternatives to what republicans want (at least that I am aware off).
Proof of citizenship here is either a passport, or a birth certificate and social security card I believe. Not too complicated. It gets more complicated with mixed nationalities and some countries who don't allow dual-citizenship.