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Well, when you put it like that…what’s the alternative?
I met someone, once, who’d been working in Saudi Arabia when her employer switched from paying cash to paying checks. She explained that they used to bring in a giant sack of cash on paydays. Now they could turn it into a bookkeeping problem rather than a logistical one.
These enormous institutions developed by providing a valuable service. People wanted to store their savings. They wanted to distribute promises instead of cash. Eventually they wanted all the records generated automatically, without any humans needing to slow the process down. At what point did they move from a private to a public good?
Because the alternative to private banking, with its private right of refusal and freedom of association, is treating it like we do the roads. A central actor has to step in and say “we know this policy is irrational for any of you as individuals, but we’ve judged the total benefit to be greater.” And that’s not going to happen so long as the central “irrationality” is something unpopular as pornography.
I think in the hypothetical ideal in my mind, the payment processors/financial system are 'forced' to be agnostic as to the source of funds they receive, even if they themselves will decline to send money out to certain uses or to take certain types of people or businesses as customers. Money is money when it comes in, as long as all else is legal and fraud protections are cleared.
I suppose it should in theory be 'impossible' to have your funds locked away from you, and your funds should always be withdrawable to some base physical currency or transferable to a different bank, so you will never have to forfeit money sitting in your account because the bank determines it came from some sketchy source.
Government doesn't like this because people will evade taxes and launder money and pay for activities the government dislikes.
Society at large might dislike this because various vices are enabled by an open payment process.
But the point is that if you are operating in sketchy-but-legal industries and you have a contract with a payment processor to help you receive money from your customers, you should not be getting 'debanked' completely without warning and should be able to know you can get those funds out of the bank without too much hassle, even if they ultimately decide to stop processing your payments.
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