That same state and other federal employers probably also mandate recipients of welfare or wages must be paid into a bank account. They get the upside of this so universal access to a basic bank account is a far compromise. Its insane imo that im forced to do business with a private bank for practically 99% of jobs including those of my own government.

I'm tired of market worship and holding the "rights" of business owners over the rights of everyone else. There are very few true markets, and that's not due to government intervention, it's because many goods and services become essential to modern life, or marketers artificially stratify in an effort to squeeze more money out of upper class consumers. Like what's the lightbulb market like these days? Toothbrushes? Sheets? It's all artificially stratified.

But let's say we allow businesses to not sell lightbulbs to White people. Hey it's their right, right? Then let's say that in practically all regions the majority of retailers would assert this right, making it pretty hard for Whites to buy lights ;). In what way is that good for society? What healthy, just society would allow that?

Libertarian ideas like this are all fatally reductive, and they fail entirely when evaluated on their effects on anyone who isn't the majority. Not everyone starts with the same advantages. Not everyone experiences the same setbacks and barriers throughout their lives. Unless we make policies to specifically correct these inequalities, we entrench them. Oh and hey look, that's exactly what we have in the US. It's not a coincidence.

It’s a simple account where all you can do is put money and get it back. There’s no overdraft.

We have the same law in France and the EU recently passed a similar directive.

Yes, society decided that the bank is allowed participate in the market that itself is based on public (and publicly financed) infrastructure, if and only if certain conditions are met. The bank's owners are free to accept or shift capital into another industry.

> The state forcing a business to accept a customer no matter their records?

The same with health insurance no matter what your prior situation is.

This sort of arrangement is very common for things the government thinks are 'must haves' in order to participate in society.

Other industries have a word for this: "common carrier" or "regulated utility".

Your electric utility can't kick you out just because they don't like you.

Yes, also in Germany.