You need a bank account to do basically anything and yet consumer banking is largely unregulated (in the consumer relation sense, they are regulated on the economic side of course). Payments take upwards of 24h and only during work hours (?!?), there are no "easy switch" rewuirements, mobile apps use shit like SafetyNet and I've had banks legit tell me "just buy a phone from this list of manufacturers"... PSD2 is trash that only covers B2B interoperability and mandates a security method that has been known as broken since its invention (SMS 2FA).