If governments create such onerous rules for participation in "regular society", then it should also ensure equal access. There is so much regulation in financ

If governments create such onerous rules for participation in "regular society", then it should also ensure equal access. There is so much regulation in financial services that only extra large players, $10,000,000,000+, are allowed to compete without someone elses permission. It would be illegal for the FSU to accept payments without involving someone like Paypal. Not just hard - illegal, like go directly to jail, do not pass go. A small organisation cannot meet the compliance requirements. If the government passes a law like "Payment Services Regulations", that privileges large incumbent players, they need to include a non-discrimination clause. If everyone can start a micro-bank, you don't care if Paypal blocks you. The fact that paypal can harm someone by terminating their account means the existing environment is non-competitive.