Research reveals a counterintuitive reality about debanking: government pressure, not institutional decisions, drives most account closures. Recent findings show regulatory mandates and compliance demands from authorities are the primary force pushing financial institutions to terminate customer relationships. Rather than banks acting independently, many deprioritize accounts based on government guidance and legal pressure. This distinction matters significantly for understanding how policy decisions ripple through the financial system and why certain demographics face increased banking friction. The research underscores that systemic debanking stems from top-down regulatory enforcement rather than individual bank policies.