”Follow the money”. Yes, let’s decide that no bank is to have anything to do with crypto from next year. And not do business with other banks that accepts crypto. That would help stop fraud much more effective than
Chat Control.
The challenging regulations around technically anonymous crypto currencies require you to actively make trackable arrangements with your financial service providers. VERY few people will ever do this, and therefore if anything suspicious were to occur, all you've achieved is putting yourself on the suspect list preemptively.