This has not been my experience. The banks I deal with - Macquarie Bank and NAB - as well as Computershare, have consistently accepted Reason 'B' since at least 2016, along with a brief explanation of why, as the account or security holder, I am not required to obtain a TIN. None of them have ever threatened to close my accounts.
As far as I can discover ringworm is like fairy circles, starts small then expands.
My 'ring' appeared as photographed in around 30 mins and not grown.
The raised ring has subsided this morning, but still red.
guess the never watched Animal House
https://www.google.com/search?q=animal+house+drunk+and+stupid&rlz=1C1CHBF_enUS914US914&oq=animal+house+drunk+and+stupid&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDk5MDFqMGo3qAIIsAIB&sourceid=chrome&ie=UTF-8#fpstate=ive&vld=cid:3621b4c0,vid:mkoPq5AOCOA,st:0
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