There exists regulated markets in which businesses are not free to do anything they want. Banking is already regulated and is a necessity in modern world. Essential banking services should be treated like a utility.

Banks are not companies. They are allowed to create money out of thin air [1], unlike a "normal" company. They are heavily regulated by the government, unlike other companies. They are in fact an essential service in today's world.

[1] http://www2.harpercollege.edu/mhealy/eco212i/lectures/ch13-1...

Banking should be an essential service. There are obviously people who suffer from not having access or having it taken away.

I consider banks almost a branch of the government. More like cities than companies.

Because it's increasingly difficult to transact without using a bank. Cash is less and less of an option.