I think a bank should be more complex. If you have all sorts of auto drafts, withdraws, checks, etc. you'll want to make sure you got all of those.
It should absolutely be simpler but I don't mind an extra check for banks where all your money is held.
Services like gyms and Netflix, they don't have any excuse. My life will not be as adversely affected as cancelling a bank account.
The best way to fix this is to have a sign as you enter the highway system on how your representative voted.
I begged for COVID checks to have the same.
Something simple like: