You do see that this is specifically an issue with the credit services threatening to refuse the processing of payments and not simply withholding credit. These

You do see that this is specifically an issue with the credit services threatening to refuse the processing of payments and not simply withholding credit. These are two different banking services, and you can support neutral payment processing without supporting neutral (forced in your vocabulary) lending. The reasons that the banks are as regulated as they are everywhere is because of the huge amounts of power that they have by controlling the flow of money. If you deregulated banks you would end up with one bank that controlled the world.