All that test confirms is that when every company requires them to do business, one can no longer accomplish anything financial without submitting an SSN to a third party. I guess one could choose to only ever be self-employed, take no loans, and use Mattress Bank.
The purpose of an LLC/Corporation (the Company) is to provide a corporate veil from the managing directors. In such situation, an SSN is not required, but most businesses will then require the Company's Tax Identification Number (TIN) which effectively provides the same identification value as an SSN. Going down that route, the Company itself can take loans and transact with both domestic and international banks.
