Democratic states need to constitutionally enshrine the right to banking, if they insist on being called democratic.
It's not truly universal, as people who are money laundering or financing terrorism can still be excluded, but it does allow those who've been "debanked" based on other risk metrics (such as financial vulnerability or political exposure) to have basic payment accounts.
Those complaining in the media about being debanked are generally talking about not being able access credit, do large international bank transfers, or use sophisticated banking products. Normal day-to-day spending is not affected.
Often banks have to apply different rules/laws to people that are politically exposed and/or these people are doing something shady etc.
I wouldn't believe any of the political grifters (left/right/whatever) online when they said they are de-banked/cancelled unless they show definitive proof.