Not always.
I've recently moved to the US, and I wanted to get myself a Spitify account (hah). I had to wait for SSN for a few weeks, so no bank account yet - my only option was a prepaid Visa card. Bought one at QFC, used it with PayPal (a fresh account, as my old one is tied to another country) - and found it blocked the next day. PayPal had asked for an ID and address confirmation.
I had my passport, but no utility bill (I was still using Airbnb, just looking for a long-term place to live). Asked support if there's anything I can do - and got nothing useful besides "we need a driver license or utility bill", even though I specifically asked what else could I provide if I don't have either of those (I had a mailing address from a forwarding company). Account was unusable, all I could do with it was logging in :)
Then I've rented apartments and tried to send them a lease contract (with my full name and address) and it was rejected. Not an utility bill, right. Asked support about it, got no reply at all.
Waited for a month, got electricity bill, and only then my account was unlocked.
So, anything unusual - and even if you don't receive any money, you account could be blocked.