If they had their own independent bank account it would take a lot more than a "recommendation" to shut an account down. And it doesn't help when your bank explicitly doesn't owe you a fiduciary responsibility.

But Bitcoin doesn't fix this. If the goal of the government was to retain control over funds even after they were distributed, they would just use multisig. Neither does e-cash because lack of privacy from the government was the explicit goal.

Blame Congress.