You might be "on your way" to passing yourself off but I suspect it would be a pretty short journey. You need to prove both your ID and your address independently. The utility bill just verifies the address.
You need to produce an original, official proof of ID such as a passport or photo ID, original benefit form, shotgun license etc. If you start throwing those out in the rubbish willy nilly then fair enough, perhaps you need to be helped to lose some of your assets. If you want to use a facsimile of your ID such as a photocopy of an official ID, it needs to be verified by an identifiable and approved official. So for financial transactions such as opening bank accounts or transferring assets, a bank manager, registered accountant or solicitor etc is necessary. In those examples, the FCA can check these individuals actually exist and are approved to verify documents.
If you are thinking of a career in fraud, don't give up the day job, as they say! But yes, if they are determined enough they will find a way….
Murray