With the bank example, I thought your comment had some anti KYC language so I mixed it up with another response, sorry for the confusion.

I actually kind of agree with you in some principle, IF we had no choice. Like the only reason I can say “you can choose not to purchase this product” is because that is true today, thanks to competition from commercial and open source models.

But I’d be right there with you on “someone needs to force these companies to do ____” if they were quasi monopolies and citizens needed to use their technology in some form (we see this with certain patents around cell phone tech for example)