Banks can just ban you if they whisper the magic words "suspected money laundering". They are theoretically accountable to a process that takes 500 years and 3 quadrillion dollars to reach a resolution, then they will unban you. You might notice both you and the bank will be dead by that time.
I actually know someone this happened to. While they did ban him from using the bank, they first warned him, gave him a chance to close out his open transactions, and then helped him move all the money somewhere else at no cost.
The important part is that they can't just close your account and keep everything.
IP is super decentralised. Digital communications could have led to a more decentralised society than ever before, and in the beginning , they end. But in the end, they didn't, because large actors figured out how to exploit them.
De/centralization is not an either or, but more like a yin and yang. There are aspects of IP that are highly centralized.
1. Assignment of addresses is centralized. Even though it's federated (ie distributed), authority still flows logically from one single authoritative view. And even though individual networks can choose to go against that central view, diverging too much prevents them from talking to one another (ie most of the bargaining is on a take-it-or-leave-it basis, rather than something more nimble or adaptive)
2. It's a protocol for communication between nodes. Reusing node addresses as service/contents addresses leads to services being inherently centralized on those (logical) nodes. Not a problem with IP itself, but definitely an attractive nuisance that made problems for things naively layered on top of IP like HTTP(S) and DNS.
I don't want to rehash the content of the Zen of Reticulum which explains the concept rather well, which is ironic because you're claiming tautology, when to rehash the content of the Zen of Reticulum would, itself, be tautological. What's the problem here?
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