It probably is a law/rule for some reason and someone is grabbing cash from it. That's how it works, I guess.
In my experience, it's best to just jump through the hoops and get where you want to be. It may seem pointless or a nuisance but in the end, you're going to have to do it anyway.
But mrcards, if you've moved on then... I guess there's no need to jump through the hoops
