In France the problem with fraud and excess registrations has got to do with data segregation. Files can't legally be cross-referenced between the ID system, the fiscal system, the healthcare system and so on. That leads to a lot of cruft. In Japan they've got tons of dead people still legally alive, it's a pretty common issue.

As for bank accounts, you need KYC everywhere, at least in Europe. I don't see how France is specifically problematic in that respect.