Re: Why do I need banking information just to use keyword too?
To put it simply... Google wants the keyword planner (formally known as the keyword tool) to be available only to advertisers, promoting real business, and not to offer it as an open research tool / sandbox (for everyone).
That's why the "open version" which was used to be a (free) research tool, available to all, was incorporated into the Adwords UI.
You could argue against, and probably with valid arguments. However, the bottom line: Google decided to offer the tool only once an account is properly set. (In Google view, this is an indication of a real advertiser having an intent to promote a real business).
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