With the recent movements from the Japanese and UK governments and the US bill about access to banking the future might actually be brighter than you think.
I certainly hope so! The US bill dates from 2019 and the UK has a history of over-compensating on the puritanical side, but I am keeping my fingers crossed!
I couldn't find the specific iteration you're alluding to. But the current one making rounds in the Senate is S. 401 AKA the Fair Banking Act (Which dates to just the 4th of February this year).
I'm going to be emailing my Senators later today in support of it. This bs has to stop
