But those things are not controllable. I don't just want to know who you are giving money to, I want to be able to stop you from giving money to anyone at any t

But those things are not controllable. I don't just want to know who you are giving money to, I want to be able to stop you from giving money to anyone at any time for any justifiable flimsy explanation. Think about what PayPal is doing to VPN vendors right now. Their excuse is that VPN vendors are enabling copyright infringement. Not too far from the government claiming this tomorrow, literally. Do you want this?