[newlyretired]

Bureaucracies are inherently risk averse; that is what it sounds to me like you ran into. You have my sympathy for it. I think it's wrong and a net loss to society, but I also have no impetus to criticize a banking/finance company from staying away from anything that even smells possibly grey.

[edoceo]

You didn't understand. They have accepted 2/3rds of they grey, and booted me - twice - based on name alone, even after lengthy phone calls and email threads spanning weeks.