I don't need a bank account for my wages to be garnished or to be imprisoned for tax evasion. I would rather not fuck around or find out just for the sake of it.

It's very simple to me. Some mutually beneficial relationships cannot be achieved through peaceful negotiation. Therefore, everyone involved has an incentive to support an actor which maintains such a relationship through threats of violence, even if it means they are subject to those threats as well.

As a result, governments have additional leverage over the population beyond what threats of violence achieve by default. Our government chooses to use that leverage in order to establish state utility companies which don't always act in their customers' interest and financial rules which don't all have net benefit for the people they apply to.

In general, American voters can't justify prioritizing the kind of financial reform you are interested over other issues. And I don't particularly blame them.