Here we see the difference between fiat money and bitcoin. Bitcoin you own and do whatever you want with it. Fiat is a currency you may use under the terms set out by the issuing bank, government, or other authority. But you do not own fiat money.
Because of all the rules surrounding fiat and it's inherent insecurity, businesses have to come up with countless systems and policies to stay compliant and not get ripped-off. Sorry for all your troubles man.