The government gives plenty of help to banks. I don't think their role here is unreasonable. The solution is to tighten/enforce regulations around bank accounts & make the penalties mean something. Two wrongs don't make a right. If you see something, say something. If you think telecoms are doing something wrong, write to the FCC. Bring up SIM hijacking for me. If you think toll road owners are doing something wrong, bring it up with them and maybe the FHWA.
Analogies are by definition imperfect but:
1. why not point the finger at ATT and Verizon for allowing phone calls and IP packets that facilitated crime?
2. toll road owners, car/truck manufacturers, UPS, USPS, should they be tasked with "knowing" more about their customers?
All this just ends up blaming the victim and doesn't really fix the problem while having massive collateral damage like folks having their bank accounts closed for no good reason and causing real losses to actual businesses.
What's the solution? I'm not sure. Perhaps it begins with holding countries more to account for the actions of their resident criminals.