You need to provide data behind your claim that debanking is so widespread as to use the word almost everybody.
Never ever heard any person I know being denied banking services, except for some unlucky (were they?) entrepreneur with very shady is-he-laundering-money situations.
I feel exactly the same. I tire of people on HN talking about their accounts being closed but providing 10% of the relevant information to their case. I have said it before and I will say it again: If your accounts are wrongfully closed, immediately: (1) Visit your your bank in protest and meet with the branch manager and (2) send physical letter of complaint to (a) local branch (b) head office (c) national bank regulator and make it clear you have CC'd all. I bet 99% of legit cases will be reinstated within 30 days.
Never ever heard any person I know being denied banking services, except for some unlucky (were they?) entrepreneur with very shady is-he-laundering-money situations.