You can't open an account like this if you already have an account. You can't pick the bank either. You're obliged to go to your last bank for this type of account. The price is fixed at the same level as the normal accounts. You can even have this account if you're homeless and don't have an address. Typical requests are done via support organisations rather than yourself, but it is is possible to do it yourself as well.
At least in the Dutch situation I don't see them introducing deliberately unattractive pricing or conditions once you have the bank account. There is a burden to open one though.
That said, I don't think bankruptcy would usually result in being account-less. More likely, you can't get a credit card, mortgage or other consumer loans, which can be inconvenient. Personal bankruptcy (as opposed to an LLC imploding) also likely means a few years of handing over all your income above minimum wage to the government in exchange for nullifying your outstanding debt. (Note that the Netherlands mostly runs on debit cards, and that most people don't have a credit card).