I think you missed the part about "we know you are clean". Both banks and bitcoin business regulate themselves mostly arbitrarily. On top of whatever rules the

I think you missed the part about "we know you are clean". Both banks and bitcoin business regulate themselves mostly arbitrarily. On top of whatever rules they have to follow. Then we are basically subject to competition, and banks have a limited amount of that. This places most of the power on their side and against the user.