I'll defer to people that know more about this - which is pretty much everyone.
But in a bank, you have one wing moving faster than the other. It has more induced drag, more lift, etc, etc.
The yawning moment is what gives you the spin. Kicking a rudder level will do that, drag from a high wing without rudder to compensate will do that. Adverse yaw isn't something you thing about, but is always there.
The "one wing is more stalled than the other" thing is a bit simplified. True in the spin, but not always when you enter it.