It's called KYC => Know Your Customer

https://en.wikipedia.org/wiki/...

are also going into that direction: requiring their administrations to use Free Software.

How much money can that save from national budgets?

In fact, how much money is channeled to some companies from whole countries, and how much security is lost in some black boxes managed from unaccountable companies?

I hear there is also some troubles brewing, because the French military has entered into an agreement with microsoft to use any of their software and *then* to pay them after some kind of audit. This kind of "openbar" agreement would be related to the country being part of NATO, and requiring some kind of interoperability between armies and their management... How much of that is plain bogus?

You are right.

And considering modern currency and banking is just accounting (no gold backing for example), this current privilege granted to banks is just that: a privilege. With no legitimacy.

There are plenty of other ways to create money, for example give it to citizen (it should amount to some 5% of money volume increase per year).

A good start could be: revoke banks' privilege to create money.

That is: they can only lend money they own and can account fort!