How do you solve a problem like debanking?

As I sat down to write this column, an old friend let me know he’d just been ‘debanked’. That is, he’d received a letter from his high-street bank notifying him it was closing his accounts. ‘Following a review, we’ve made the decision that you will not be able to bank with us any longer,’ it said, not even bothering to put the word ‘difficult’ before ‘decision’.