IMHO it's obvious that there should be a limited minimum/basic account provided by the state unconditionally, and that the current practice of using AML regulations to effectively ban people from having bank cards and bank accounts goes against the spirit of due process.
it's quite farcical that private banks are used as mandatory designated sin-eaters (scapegoats) for this. they don't want to and mostly can't comment on the specifics (because SAR - suspicious activity reporting - and the various national equivalents, usually immediately triggers the requirement to play dumb, since that's the only way to ensure that the bank cannot be later dragged in front of whatever authority for not cooperating with the investigation) but everyone knows it, since it's in the fucking news.
and the actual legal actions tend to be overturned.
all of which in total end up helping these organizations (and these politicians) to farm reputation.
https://www.swissinfo.ch/eng/various/entry-ban-for-austrian-...