It totally is discrimination. A friend of mine in an EU country had the experience where a client’s payment to his business rang all the alerts and was delayed by his bank for a month just because it came from an African country. Both totally legitimate businesses doing no shady stuff whatsoever.

Try to explain to your employees how their salaries are delayed because your bank suspects you’re terrorists or something.

This and some other experiences turned me to someone who believes that the freedom to transact is an inalienable right, and that it should be taken out of the hands of governments and centralised institutions as much as possible.