Heh. I’m not saying they are or aren’t out of control. My point is that when the government creates all of the requirements, and the onus is on the banks to verify it all. At risk of penalties from the government. Then you get these kind of stories. People see it as overkill. The banks see it as CYA.
I basically agree with you on the issue; I was just making a cheap joke about the supposed requirement for the bank to verify that you are [as opposed to aren't] a drug lord.