Heh, banks are absolute shit at the soft entry points, like calling up with minimal personal information and a teller opening the door wide for you.
There was another person in my hometown with the same name and we used the same bank. They gave her access to my account multiple times. I had long passwords and an account flag reminding the tellers to confirm Date of Birth EVERY TIME. They still let her withdraw several hundred dollars from my account (not that she was trying to to steal my money, just that she requested a withdrawal and they didn't confirm the right account). Account closed, bank reported, and I am 100% sure they would make the same fuckup today if I gave them the opportunity.
You would be terrified how easy it can be to get access to accounts without a password or even ID.
If you're on an instance with strong moderation and that is not what you want, maybe you should consider opening an account on a more free-wheeling instance. Picking a different instance solves your problem without affecting others' current experiences.
I picked an instance based on their moderation policy. I want their level of moderation. I want them to block porn and the bigoted BS that some other instances allow. It would be a terrible downgrade in experience if I was at the whim of every other instances' moderation approach instead of by the instance I selected.