[laughing_man]

In both Canada and the US we had people who were "de-banked" in recent years because the government was irritated with them. No trial. No hearing. Just a letter from the bank saying "We don't want your business anymore. Here's a cashier's check with your balance." In Canada at least some of the accounts were actually frozen. "Yes, we have your money, but no you can't have any of it."

In the US there's a requirement for banks to refuse to do business with anyone who would be a "reputational risk". I think it was intended to suppress money laundering. Anyway, when the government calls and says such and such a client represents a reputational risk, the bank doesn't have any choice.

I don't know how it works in other countries, but here in the US you'd be hard pressed to function normally in society without a credit card and bank account.