Not a really a dumb question but a dumb situation.
Post Sept 11, England changed it's banking laws so that you can't open an account without a valid bill in your name showing your address. I had numerous letter stating my address, that wasn't good enough, needed a bill.
I explained that I could open an account at one address then call the next day and say I moved without any proof. Stupid bank teller, goes "yes, that's right, so what?" Tried to point out that the stupidity in thier policy but he just wouldn't budge. Happened MULITPLE times!!! Stupid english bank laws!