You would be surprised how simple it would be to “drop-out” and keep using US banks. Once you open an account with a bank in the US...it’s pretty much permanent. They will never go back and ask questions. There is the issue of income and social security numbers....but frankly, if you only keep enough cash in a checking account to cover travel and local bills....and never show any income, then IRS never gets in your business.
As for countries willing to take you....there are probably over forty that you can work various deals with. Panama is currently one of the top ones that openly recruit....but you’ve got various options. The advantage with most of these is that they really don’t have sophisticated means to track your wealth, so other than property taxes....they won’t be in your face.
It won’t surprise me if half a million Americans “drop-out” in 2009/2010. The curious thing is that they will move their US wealth....without the involvement of the IRS and avoid further issues or taxes.
Also you can do “investor visas” and similar very easily. In the Philippines, simply buy a condo unit for $40K USD in an approved area and get an R1 visa. Costa Rica, Panama, Belize etc. have similar setups.