But let's assume you're 99th percentile and won't get scammed or will own up to it and eat the loss (talk is usually cheap and plentiful on that point). I'm not sure how often you interact with the general public but suffice it to say that the "expected value" of banks asking why their clients are performing an unusual and largely irrevocable transaction (in contrast to paying a merchant with a credit card) is probably pretty good, just like a cashier asking why you're spending hundreds on Apple gift cards. But also you're assuming that it's always going to be "you" that they are asking: if your account was compromised (and everyone thinks they're too smart to be tricked), should it be easy for someone to just wire all the money out, aaaaaand it's gone?
That's separate from KYC/AML, which I think is a trickier issue. I will say this though, if a bank showed me the door and I had to take my money elsewhere, that would be less problematic than one of the tech giants capriciously deciding to close my account, which I think illustrates the larger issue about a lack of recourse for being arbitrarily locked out of commerce with private businesses in disruptive ways. Itself a cousin of terms of service that force you to give up rights, and can be changed at any time
As an aside, I don't think you need to make sneering personal attacks to make your points