langurmonkey: I'm very ignorant when it comes to bank accounts.
Me too, what i know is from personal experience. I did open a bank account once without any credit at all for a fee of around 1 dollar per month to keep it. And i got a free international credit card for that account.
Anyway, there are few services that give you a "virtual" credit card, which can be used for online purchases (but not physical purchases, since you don't get a real credit card, just the card's data). These services usually accept many payment options. One example of that is Entropay. So, yeah, it's possible to have an international credit card without opening a bank account.
Now back to the original subject we were discussing, i could point quite a few beggars here on the forum who have a big collection and don't really need more games. Of course i will not name them, but if you pay attention to the forum you will notice it. I think that this is really disgusting. Unfortunately, some users here take advantage of this generous community to get beg for stuff that they don't even need. I guess this is the consequence of having such a generous community.