Bottom line is you can never send or receive a payment to anyone in the real world. Your bitcoins/activity will forever be linked to you. Chainalysis perfectly lays out the problem.
Problem?
What problem is that I'm sending my cousin 1
BTC even if somehow somebody manages to link my address to my person?
Besides, when receiving payments from somebody you can always use a new address and coin control, there is no "problem" that stops you from doing anything. Besides, since you mentioned banks, your transactions are there forever, link not only directly by your name but all of them with all the names of your recipients and senders and real-life addresses, one single security failure and things far worse than a tx id wil be known by everyone on this planet.
If YOU are found to have ever "touched" a black-listed coin, or coin from a black-listed wallet, you could then be targeted, hunted down, your real world accounts/property froze/taken; you arrested, who knows what.
By who? The avengers?
Stop with the drama, no authority will seek blacklisting wallets as that is a futile attempt, the real way of trying to create a blockade for "tainted" coins would be to whitelist addresses as it's far easier.
Bitcoin can never really be great unless every coin is truly fungable. AND, to be fungable then coins must not be trackable. Yes, some "alt coins" try to deal with the above. But ALL mainstream cyrpto currencies especially BITCOIN need to start taking these issues seriously.
Monero is doing so, how is its path to becoming great with all the discussions about it getting delisted from exchanges?
And if you're really concern about the problem of anonymity, then the pretty obvious and simple is in my signature.