A recent report by the Cato Institute, a U.S. think tank, points out that the real driving force behind the closure of a large number of bank accounts in the U.S. is not the banks' own decisions, but direct or indirect pressure from the government. This conclusion provides a clearer institutional explanation for the long-standing issue of "banking services being cut off" in the cryptocurrency industry. The report's author, Cato Institute analyst Nicholas Anthony, in a study published in 2026, states that bank account closures are usually attributed to three reasons: discrimination based on religious or political beliefs, the banks' own commercial considerations, and government factors. However, through a systematic review of publicly available cases, the study finds that government intervention is the core variable in most account terminations.