1. If somebody has experienced such complications with their banks already, it would be interesting to hear about their stories
2. If more and more banks adapt similar measures (or even stricter ones, like some credit card companies disallowing financing of cryptos all together), what do you think the implications on the market place will be? For instance, do you think exchange without KYC's will suffer?
3. Do you think this could lead to "ICO heavens" where only ICO's will have a chance to survive that undergo a stringent background check that would be acceptable for banks?
There is no as such complication that I have experienced recently however I will skip to other discussion points of your where I can add something. Like you said exchangers without KYC's will suffer or not. Well, I believe they will suffer in the future a lot because day by day the KYC and KYS as well getting very strict. In my country the exchangers which are not collecting the KYC of their customers are themselves getting under surveillance because regulatory bodies think that they are making some spurious action which may disturb the nation economy somewhat.
Pointing towards the next point, "ICO heavens" well I believe it has to undergo vigorous change rather than smooth implementation by the banks. These projects are already getting funds off the chart and banks may not be able to tolerate it if they fail in the ICO project.