I'm not sure I would agree that banking is optional in today's society. Canada has laws[1] intended to ensure access to banking, with $10M fines for violations

I'm not sure I would agree that banking is optional in today's society. Canada has laws[1] intended to ensure access to banking, with $10M fines for violations. Not familiar with them myself and wondering how effective they are, and whether anyone has sued and won. It's maybe a bit ironic considering how the government here improperly locked a lot of people out of their funds during the trucker protests (the inquiry found collateral damage where people completely uninvolved were affected). [1] https://www.canada.ca/en/financial-consumer-agency/services/banking/rights-new-protections.html https://www.canada.ca/en/financial-consumer-agency/services/...