Why someone making $100,000 a year can't get a bank account

Large organizations employing people who must follow procedures dictated by algorithms and committees, with no one to appeal to, no one with authority to over-ride "the system," and no way to exercise judgement. Small companies in most niches will always have potential customers if they manage to keep a human face and personal interactions.

Banking, telecoms, and a few other industries are exceptions, because the regulations there are prohibitive. But one has hope that there will always be space for the personal touch.