When my wife needed a bank account it was to pay her salary to her own account. And, because her work was pre-arranged, she started work just three days after she arrived in the UK.
My wife worked for a company that was attached to the NHS and she was paid monthly, directly by the NHS. She needed the bank account in her own name to prevent any possible fraud
Are you suggesting its now impossible for anybody to open a bank account in there own name when they first arrive in the UK?? or even add their name to somebody else's existing UK account.