Actually, this has happened in the UK. I don't think it was legally forced but was more a suggestion from Government ("do it voluntarily or we'll force you"). The reasoning was a bank account is a basic requirement of living in the UK and not having one was making life more expensive for poorer people.
The banks don't push them so you have to ask. And like you suggest you get none of the bullshit - no overdraft, no credit but full online banking, over the counter, etc. And on the plus side, you get no overdraft, no credit and hence no charges.