Maybe this is why Europe is so popular with migrants? I've lived in four European countries and never had anything like that. To rent a place you just need to pay 1 or 2 months deposit up front. I've never heard of anyone being denied to buy a car with cash (but we don't use cheques... the payment is either successful or not - it doesn't need to clear).

Loans are a different story, it varies a lot - but in my country for example, after working 6 months in a full-time job you can get a mortgage without issues. All they care about is how much you are earning, and that you don't have any other debts so that you couldn't afford the repayments.