I had to deal with this for government apps specifically related to immigration. I don't mind banks requiring it, I don't have to use that bank. I do mind governments requiring it if my only recourse is having to leave the country entirely.
They are required for just about everyone in a lot of countries. In the Netherlands a bank account is actually a right¹, and as far as the tax authority is concerned, required.
Companies can choose what product to offer and what customers to serve. I can choose what products I'm willing to spend my money and time on.
My problem is when I am compelled to use something despite my opposition to it, such as the immigration app I mentioned being force to use under threat of being kicked out of the country.
Cash salaries are banned in some European countries. You can't have any income without a bank account. Welcome to the dystopian future, enjoy your stay.
