The bank doesn't care when you max your card out on alcohol, designer clothes, gambling, or any other worthless and risky commodity. Your bank doesn't care about you in any way beyond your capacity to generate revenue. You are a revenue generating unit and nothing more for them, end of story. They are building artificial barriers to crypto because they view it as a direct and fundamental threat to their industries and with good reason, because it is. The reality is anyone who invests wisely in crypto right now is going to make a significant ROI over the next few years, opening up the opportunity to pay off large balances, which decreases the revenue they earn from interest. This is nothing more than a desperate attempt at self preservation.