Meh. Probably not, there are systemic risks from people losing all their money all at once. It's a good thing to incentivize catching and blocking transactions to scammers.

I hate scammers with unbridled fury, but I will not transact with any bank that thinks it can impose what I do with my own money.

Do they remember this thing called asking? I will respect the opinion of bankers and investors if they ask me, or I ask them, but ultimately the decision should be mine.

Otherwise it is going to the banking equivalent of Google's customer service. Callous, automated, unreachable.

Just to be clear, even if I very much would like to agree with you in theory, in practice this is what you are advocating, like it or not:

https://en.wikipedia.org/wiki/Pyramid_schemes_in_Albania