The way I look at it is that there is certain software that other entities aren't willing to let you run without assurances that it won't be tampered with. You don't necessarily have a right to be able to use that software if you cannot provide it suitable accomodations. It's your choice whether or not you want to run it or not, anything else is simply entitlement. This may seem annoying if it's your bank, but ultimately it's their choice to make. The current approach makes certain things painful, like trying to customize your os, but that's a problem worth solving rather than just ignoring. More software will start relying on this over time. At the end of the day trust is a hard problem to solve.
> It's your choice
Ah, classic false choice. Do you know it is illegal to do cash transactions over a certain amount in most Western countries now? In my mind, if I have a right to do something (buy a home), and there is only one approved way to do it, then I automatically have the right to use the approved way.
Similarly, having a government ID might technically be a choice now, but it won't be soon with all these age verification BS rolling out. So no, this is not entitlement. Your argument would work for anticheat in online games or DRM media, but not banks or government services.
I know this argument is used a lot, but it it really doesn't make sense to me. A government is expected to give you reasonable accommodation, but it's not their duty to let you run their software via a means they don't trust. It's convenient to use their app, but again not required.
Having controls is part of participating in society. I don't believe you should be able to make large transactions in total anonymity either. It's robbing you of a freedom, but society has deemed it a worthwhile tradeoff for preventing crime via money laundering and what not.