- People who've been slandered online or wrongly put into "compliance databases" (https://www.vice.com/en/article/pak7wb/exclusive-secret-blac... https://www.newyorker.com/magazine/2023/04/03/the-dirty-secr..., https://henryjacksonsociety.org/wp-content/uploads/2020/11/H...)

- People with white collar convictions

- People who bounced checks in the past or were unwittingly used as money mules and ended up in Chexsystems

- Banks closing accounts that interact with crypto exchanges