I am not sure that banks can "unilaterally ban you and steal your money", they are regulated and work under the laws of the hosting country. If anything banks c

I am not sure that banks can "unilaterally ban you and steal your money", they are regulated and work under the laws of the hosting country. If anything banks can add a level of security and safety for example by adding insurance to your funds and having legal liability to handle them correctly. If you don't trust "the system" as a whole then you are right, I can't argue with mistrust.