That becomes pretty circular and more political/philosophical than this conversation needs to be. From a business perspective, online porn is high fraud which makes CC's a difficult thing to underwrite and MJ banking in general is risky because banks need to stay under the government's good graces. This is the business environment regardless of your moral opinion
I disagree, pointing to risk management as the root cause makes it circular. I certainly don't expect private enterprise to right the state's wrongs, but I don't think it hurts the conversation to point out the true root cause. It has been my experience that HN welcomes a little more thought beyond the utilitarian argument of what makes the trains run on time.
