Sorry, I missed your comment. In the discussion, I talk about the effects these requirements may have on scaring people away from using banks and other financial institutions.

I give the example of a police car station in a corner in a neighborhood scaring away thieves. Even if the police doesn't catch anybody, the thieves will go in another neighborhood with their isn't a police car. So in that regard, it does serve a purpose.

I still don't think it's worth removing the liberties and freedoms and rights of every citizen in order to do that, however.