NatWest sucks. This is one the ones that jumped to closing accounts when all of this started happening and they openly declared that they don't want customers who are involved with bitcoin.

Neo banks are better, Halifax seems to be okay, but a good rule of thumb, don't use the bank you use for collecting your salary and paying bills for anything else. Have an intermediary bank or neo bank account where you move your money before using it for investing and stuff because it's worse if the bank/company that decides to shut your account down is also responsible for settling your bills.

Don't worry about how things "should" be, just protect yourself as best you can.