The idea of making people with 19th century views actually live in 19th century conditions is extremely amusing. We could try it, sure.
On a more serious note, I don't think it's accurate or fair to say it's merely because of industry choices.
The US stretched the idea of the common carrier (ie everyone has equal access to send freight on the railroads) to things like oil pipelines and telecommunications lines. Utilities offer services under license from the government and have special rights and subsidies.
I don't think a bank account is that similar. It's essentially floating you a loan - you can cash a fraudulent check and skip out with the money, for example, and the bank eats the cost.
On a more serious note, I don't think it's accurate or fair to say it's merely because of industry choices.
The US stretched the idea of the common carrier (ie everyone has equal access to send freight on the railroads) to things like oil pipelines and telecommunications lines. Utilities offer services under license from the government and have special rights and subsidies.
I don't think a bank account is that similar. It's essentially floating you a loan - you can cash a fraudulent check and skip out with the money, for example, and the bank eats the cost.