Indeed, it is no way ethical to demand identity information from those merely wanting to dispose of their own hard-earned money. It always makes you think that money sitting in your bank account is not actually yours, but somebody else's who has control over you. Money is a system of control, which means the admins of this system can do whatever they want because they command the core of the system. They decide who may enter, who may transact, with whom one may transact, what amount of money one may move, what fee one should pay to make a transaction, on what things one may spend money, etc. In short, you have to ask permission every time you wish to interact with money. Someone gave people completely non-governmental money of a permissionless decentralized nature. But people have gotten so used to the system of control that they continue to ask permission to interact with money.