Some regulation will promote healthy growth and keep investors more safe as they tried to crack down on scam cryptos. Certain bans do suck, but some economies are just scare of the effect of crypto. We went from silver and gold to paper money only back by faith. The next step is digital money which is something the banks are not ready just yet. I understand the credit card ban because some people are maximizing their credit card limit in hope of getting rich and just pay them back. Yes the banks goal is to make you pay interest, but not encourage just additive behavior knowing if investors don't do their due diligence they will never see that money back. As everyone says. Never invest money your not willing to risk and always hold. You never want to sell at a lost.