You’re literally trying to say that if your community has decided that you should not have access to certain funds, you should be empowered to thwart that decision.
Yes, because it’s YOUR money!
Banks can’t legally decide that you no longer have access to your funds. You have a right to those funds that is protected by law. Legal authorities in some cases can restrict your access to your funds, but there is a reason and purpose to that, and in theory that reason and purpose is protection of the community. Yes I know I’m being simplistic, but the alternative is to take the extreme libertarian view that these institutions are all broken and hostile beyond hope, we should resist them at all costs, everyone else be damned.
You’re going to extremes now, I’m saying there MAY BE SOME situations when if would be a could idea to have some money outside of the institution control.