It sucks to be a convicted terrorist or money launderer

Or merely to be suspect of financial crime because of a cryptocurrency operation. Banks are extremely skiddish and it’s far easier to marginalize someone than to take on risk for someone maintaining an account worth less than 5 figures.

They will also deny you a basic account if you already have another account. So e.g. if your bank imposes a broken app on you and you need to bounce, you must first close the account you have before you can open the basic account. That means cashing out. But you cannot deposit your cash in the new account because it’s “basic”.

You don’t have the right to use exclusively open source software.

Indeed, that’s the problem. You’re endorsing that problem.

Luckily, various banking apps work fine on LineageOS.

Running a FOSS platform does not make the apps the run on it open source. Those various banking apps all have spyware in them.

Or you can use a bank account that just requires a browser and the free code validator they mail to you, no need to buy a smartphone.

As I think I mentioned, there was a website & a counter service. Now there is only an app. Get the app or get locked out. Or walk. Those are the choices. Banks have a right to pull the plug on whatever service they want. They can impose iOS if they want.

The debtor created that situation themselves

Certainly not. The debtor has zero control over their place of birth. The BANK had a choice. The bank chooses whether to show customers in the oppressed group the door, or to report their activity. You can say the consumer has a right to renounce their nationality, but then you’re just infringing on another human right.

If you can’t get any bank account, not even a basic bank account, you’ve fucked up bad.

Simply being born in the wrong place can get you denied service at 8 banks. Being born in the wrong place cannot be regarded as a “fuck up“.

Quite simple: your financial situation isn’t my problem if you want to do business with me.

So you finally acknowledge inability to solve the problem. Great. But you don’t seem to give a shit about equal treatment & people being marginalized. This does not help your position.

In that case, any troubles you have for not having a bank account should be quickly resolved by a judge, shouldn’t they?

You overestimate the power of human rights. Human rights violations occur in high numbers and are rarely enforced. It’s improving but 2023 is not a good time to have your human rights violated.

If the monitoring is bad enough to be considered a human rights violation, I doubt the banks will let the legislation stand.

Banks don’t get to overturn law. They are also pushovers. They choose to violate human rights because it’s the easy path and human rights are mostly symbolic & rarely enforced, especially when they have the guidance and backing of the gov.

I don’t see the relevance. Whether you’re born Dutch and have a secondary citizenship in Canada or whether you’re a Canadian who gained Dutch citizenship, you’re still treated the same.

No you are not. In one of those cases, your birthplace is known as Canada. In the other case the birthplace is Netherlands and the bank has no reason based on required paperwork to think someone was naturalized in Canada. It’s also strange how you tried (and failed) to cherry pick a dual nationality case. When you have an oppressed group, you can always find two people outside of that group who are treated the same. You only need to find one person inside the marginalized group and one outside to prove a UDHR art.1 breach.