I'm forced to use banks because the government won't protect me from criminals if I shove cash under my mattresses.
The banks don't offer an "opt-out" option when you register. Real consent means you offer "yes" and "no" and the other party says yes.
It's effectively forced upon me.
The irony of your ill-informed statement is that if you want to put your money in places where it can't be loaned out to others without your consent, where you should really put it is a brokerage - at least, one in the US, where there are regulations ensuring your funds can't be loaned without your consent, and your assets are protected by SIPC insurance.
B) I don’t know about all of them, but the ones I’ve used have explicit rules against storing cash.
Akin to the narrow banks proposals of a few years ago