Also; this is factually false. There are thousands and thousands of people who are citizens, legal residents with legal ID, and not fugitives, who cannot obtain bank accounts or bank cards.
There is a secret blacklist shared among the banks that cause them to deny or automatically close accounts held by certain people. They are not required to service anyone.
Do you not see the dangerous failure modes of allowing private companies to point and click cause someone to become persona non grata without due process? They also happily do so at the request of the state, again with no requirement of criminal wrongdoing or burden of proof, and no due process.
Do you know what a huge amount of labor in your society depends on people who are not legal residents, or don’t have identity documentation?
You don’t want those people to not be able to buy food, or the next time you go and buy vegetables or fruits or chicken breast with your own shiny metal bank card, you might find yourself paying 5x the cost.