Because: In the United States, banks can empower the government in such a way as to crack down on 'problematic' things without a direct Constitutional crisis.

Because: In the United States, banks can empower the government in such a way as to crack down on 'problematic' things without a direct Constitutional crisis. See Bank of America voluntarily handing the FBI their firearm related transaction dataset. Private industry goves government a plausible deniability proxy in short.