> If you piss off one bank, bank with someone else; if you piss off every bank, you screwed up.
Everything is a matter of degree, that's not a counter-argument. The issue here is that "social consequences" are a matter of individual relationships, material life consequences are generally a matter of policy. If you find yourself afoul of a banking policy that banks as a group have chosen to take to discriminate against you for lawful speech, you find yourself having material life-altering consequences for your speech.
You are imaging a scenario in which someone is unbanked because one bank rejected them, when in fact the lived reality of the unbanked in the US is that they are unbanked because /all banks/ reject them, or at least all banks they have access to in their community. And it's not as if they've taken specific and directed actions against those banks, in many cases it can be as simple as having priors, which makes it both harder to get and maintain employment, as well as harder to impossible to get banking services. Nearly 10% of the American adult population has prior felony convictions, but once you serve your time it is morally reprehensible to mark you with a scarlet letter that prevents you from getting basic services required to exist in society, like banking.
So sure, someone screws up? Do we damn them forever for screwing up? Is MERE SPEECH enough to damn someone forever? Because that's what we're talking about here. That's the "muh consequences" argument you're making by implication, even if not explicitly.
The way you imagine "consequences" working, is not how it actually works. Your delusion is not reality, and reality is a harsh mistress. We are accountable for the arguments we make and the policy positions we espouse to their actual reality, not to our imagined outcomes.
Be brave enough to just say that you don't believe in freedom of speech, and that you're okay if 10-20% of the population ekes out an abject miserable existence or dies due to their belief system or utterances, because that's the reality of "muh consequences".