I need to test you on this one.
An employer does not simply have a choice. If they employ you, they must collect all federal and local taxes that are applicable. To do that, they must have a SSN to reference to the taxes as does a bank to reference interest or other income. If an employer does not collect taxes, they are violating the law. If a financial institution does not report interest or income relative to the SSN, they are also violating the law.
My point - there is no choice.
Also, this guy still will not answer the easiest question - why does he not have a SSN? I needed one when I was 5 to open my first bank account.