In my last four jobs, only one company managed to get me my login and email passwords on the first day. Once, I actually quit my job before I had access to all the systems I needed (I used the accounts of my superior for a long time.)
Wow, that's nuts. We work out in advance which systems they're going to need access to in order to determine what level of vetting they'll need. It's not always perfect, but getting access is generally a case of raise request -> accepted by system owner or director -> do.
So yes, it seems to be a hard problem.