[Nursie]

> "no, anyone can join, they just have to fulfill the regulations blablabla", then this is your answer.

Banking regulations are hard won protections for the consumer or investor applied after years of misadventure and (usually) large-scale fraud. They aren't perfect but the idea that it would be great to just throw those out so anyone can start being a bank is one of the crazier things I've heard recently.