An uncorrupted 'government' would revoke those banks' charters.
Since the banking and currency systems are a monopoly in the US, and the payment processors unable to operate without .gov permission, the wokisms, "start your own!" and "MuH pRiVaTe CoMpAnY" don't apply.
"Bake the Cake, bigot" does.
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Forget it; under the US 'justice system' biometrics have already been divorced from due-process rights, and no one but a fool uses them.