I think you got it reverse.

Gaming and such are dedicated services. Fine if people agree to pay premium to have the required platform / console / etc.

General services such as communications / banking must be free, and must not require trusted hardware on the end point. The services must be designed to be secure even in the case of compromised end points. But that's against the current trend where all banks are trying to push all the responsibility on the end user because they want to reduce their costs. There are plenty of solutions but they don't go for it because it's not in their interest and they want to squeeze out any little penny of infrastructure cost.

>How about being banned from online banking, government services and all social networking / communication platforms?

Defense is depth actually works. It's better security to require a dedicated device to make it harder to commit fraud. This is why credit cards became a secure device instead of just being a magnetic strip.