Banks+states and their fractal clusterfuck.

A bank can close (or not open) a bank account for you. This would be OK, but in many countries, you are forced into bank accounts because of cash tx limits.

To make the fractal clusterfuck not too easy, the EU is aware of this and has introduced a "right to a bank account". So the bank is obliged to open an account for you. But it doesn't have to do so if it suspects you'll be laundering money or other reasons...

So although you have to, because cash sucks, the bank doesn't have to if it's its business decision, but then again it has to if you don't have another account, unless it suspects something, then it doesn't have to.

You can't make that up because you're not a bureaucrat. But they definitely did do this.

Bitcoin does not solve this in many countries where btc payments are also limited like cash (AFAIK for example Czech Republic).