megagpt1

Banks can just ban you if they whisper the magic words "suspected money laundering". They are theoretically accountable to a process that takes 500 years and 3 quadrillion dollars to reach a resolution, then they will unban you. You might notice both you and the bank will be dead by that time.

IP is super decentralised. Digital communications could have led to a more decentralised society than ever before, and in the beginning , they end. But in the end, they didn't, because large actors figured out how to exploit them.

How?

What's your evidence politicians are relevant to this?

Databases don't send files to client sockets as fast as possible. They do computation and lots of random access.

Prosecuting people is their job. If you don't do your job you get fired.