> Today, in people who discover things that aren't banks don't act like banks

On the contrary, this is a case where Wise is acting exactly like a bank.

> things that aren't taxis don't act like taxis.

Unfortunately, this is still a good thing. As recently as a few months ago, I was in Las Vegas. The cabbie didn't know where to go, I had to direct them using Google maps from my phone, their credit card machine mysteriously wasn't working, and they didn't have change for cash because they "just got on shift". Seriously, all three in one ride?

Don't blame me that it was Uber/Lyft for the rest of my visif. I'll take an eventual possibility of getting burned somehow over a repeat of negative taxi experiences.

Banks famously never have issues like this.

In most (all ?) countries banks are regulated and customers have recourse to some sort of banking ombudsman for this sort of thing.

Not if it's AML stuff. In those cases neither the banks or regulators are your friends.