Onboarding friction for new prop firm accounts - a real pain point?

Anyone else finding the KYB/AML hurdles for setting up new prop firm accounts increasingly painful? It feels like every time I want to diversify capital or try a new payout structure, I'm stuck in an endless loop of uploading utility bills from three different angles and proving I'm not a Bond villain. It's getting to the point where the hassle almost outweighs the potential benefit of trying new avenues, especially when dealing with smaller firms that might have less robust compliance teams. Is this just the new normal, or are some firms genuinely better at streamlining this process without compromising security?

And let's not even get started on payout reliability once you're actually in. Had a situation last month where a payment got stuck in limbo for a week due to some 'internal system upgrade.' You just wish these things were more transparent upfront. Are there any red flags you guys look for during the onboarding phase that scream 'trouble ahead' for future transactions?