Right now they have some bullshit set up so that banks open themselves up to huge liabilities if they host someone associated with "terrorism" and because there's several steps between the government legislation and an individual losing their bank account over politics no one has been able to bring the issue up.

If they gave us direct access to federal reserve accounts then the fed itself would have to take ownership of deplatforming individuals. Would not be a good look for the system to have that happening. Openly proclaiming that our entire money supply is in the hands of private interests not bound by the constitution of democratic oversight would also look really fucking bad so I'm curious what their plan is...