You must be in the UK 😁

Yes, been through this many times, that's why I use banks for the absolute bare minimum.

Once I went to buy a bicycle from a national retailer but they declined the transaction "to protect me". Took several hours of my time to get permission to spend my money!

If you really want to be interrogated, try maxing your withdrawals for 5 days in a row. I'm more than happy to be almost entirely outside the fiat system.