>To this, this HN replies is evidence that banks should be able to discriminate capriciously,

No. Stop. Fuck off. Get fucked.

I didn't say, mean, imply, or insinuate that.

Someone said/meant/implied that banks were a monopoly, probably because they're a piece of shit libertarian or they heard the phrase "ReGuLaToRy CaPtUrE" on a shitty podcast somewhere, and that it is impossible to start one.

And I replied that it isn't, well, it is, but no more than any other capital-intensive project.

And credit unions are easier than banks.

Goooooooooooooooooo fuckyerself.