> Governments are not going to ban banks from treating BTC transactions as cash advances Courts typically will look at the bank's rationale for charging custom

> Governments are not going to ban banks from treating BTC transactions as cash advances Courts typically will look at the bank's rationale for charging customers higher fees arbitrarily. You are heavily focused on the semantical debate about "cash advance" and not the consequences of categorizing this way. A court might say "sure call them that, just don't charge customers higher a cash advance fee and higher interest", the bank will consider that irreconcilable and change the categorization anyway. Nobody will address the specific difference you wanted to debate about.