I’m not sure what people are afraid. You don’t need to use banks and to pay bills online you can get money cards and literally put whatever name you want on the card and it comes with a routing number. Also if the IRS ask me for anything ever I don’t acknowledge them. If I ever do taxes I write everything off and if they ever want to come by and see me I’ll gladly make that the last place they ever went. Stop complying to your enemies rules.