My friend, everyone can open and operate bank just purchasing an accounting software. But, will you bring your money to that bank? This entity is not authorized by the government to provide such service and collect money which normal bank should collect and invest in legal business. Right? This entity is not authorized nor regulated and nor controlled. Are you sure they are not investing your money in a criminal activity? What will happened when they will be catched? Are you ready to meet with police and answer questions - why your money was invested in black economy and criminal activity?
Furthermore, these illegal entities are making image of the all financial sector as a scam, so - people scammed will say to another people that financial sector scam... That people will not invest in the financial sector, economic will stop an operation and we will meet new crisis. Right?
Did you think - why your government fight with a crime? Just because of your government is authorized to do this, authorized to do this by you! In order to protect you and your family!
For me, as a legal entity, legal financial services provider - is unsuitable to see near of my services the advertisments of the illegal entities. They eat my pie and destroy our market, like a rats. So, this means they must go away and shut down.
Yes, you are right. Once all illegal entities will disappear from the financial sector, the customers of the financial sector - will go to the legal financial institutions, will invest in legal economy and not to the crime.