First off, you kinda have wrong notion of "utilities or publishers", there is no such distinction, at least, not in a sense that would put finance companies into "impartial utilities" category. KYC is why somebody is allowed to be a finance company, they are required to be partial.

Second, I don't find it worthy of contemplation if such laws would help, because if they would — they just wouldn't be passed, simple as that. The same way as there's no real point to invent a perfect cryptocurrency, because if it would actually enable things that crypto is supposed to enable — it would be basically shut down, like Monero.