No one! But the inter-bank markets will have different pricing. If non-bank UTXOs are used to pay a bank, they'll use a lower, non-bank exchange rate
Discussion
We (and the rest of the planet) will maintain that the government and bank nodes are the second class nodes, and that our nodes and coins are first-class, and the governments and banks can pound sand if they don't like it. ...or, since they made a big play at reserve currency, they can capitulate and join the rest of the network in order to not totally blow their big gamble.
🤷🏻♂️ When very large institutions want your coins they're worth more. When they stop wanting your coins, they're worth less