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What makes it seem like I don't own my money?

You seem fixated on where you live and your own experience - which doesn't appear to be at all relevant to the situation we're talking about.

Risk assement is done in a case by case system; there is no such thing as a credit score. The only thing it exists is a data base, at the central bank, for credit responsibilities, and if you default you are banned from accessing credit, not bank services. A client can have zero credit near a bank, use their services, and maintain their account as long as they live.

Who's talking about credit scores? This is AML/KYC regulation lol. If you're in the EU I'm fairly sure AML regs require monitoring of customer accounts/transactions for suspicious activity.

Banks can and do absolutely close bank accounts in the UK for falling outside the risk profile of the bank. It's happened to everyone from MPs down. Basic banking services are available to everyone where legal to do so, but these accounts don't have features of current accounts and transfers etc can be limited - not ideal for running a business.

And yes, I am claiming to cut the middleman and have more money delivered to the creators. And I stand by those words.

At every step of the way what you've described has included more complexity and expense to the creator.