KYCnot.me has a lot of resources. As for bill pay, depends on country you're in...

I just had a similar scare this morning with Wise asking me for some proof of something.

I've not had much issue since I have a normie job which let's me file normie taxes which gets Wise the documents they say they need.

Not sure what I'll do when I become financially independent and they randomly ask for some document I won't have and get my bank shut down...

Still possible to buy prepaid $500 Visa cards.

Bitrefill

Coincards.com