I'm paranoid because you're the one that thinks you've been accused of something?
I'm making a simple statement of facts. Nothing more.
You're the one that wants to read between the lines "interpreting things".
This business is hard. I thought I'd offer you some insight into why we don't allow guests. I'm sorry that my offer of information offended you.
Now, go to the bank and see if they'll let you open a guest account.
I'm sure they'll ask you for 150 points of verifiable cross referenced ID to fight exactly the same problems we have.
Go away.