The federal government does not enforce the law sufficiently to motivate its repeal, so we are stuck in limbo, where the mass of individuals are complacent, and they externalize the costs on the suppliers and retailers.
I'm well aware of what that entails in a legal sense, I worked in the Industry as both a former Farmer as well as a Fintech Founder; the thing is, Cannabis is a term that encompasses Industrial Hemp as well as MJ and the former is actually 50 State legal as of 2018 with the Farm Bill in the US.
And still many Banks refuse to deal with Hemp farmers or producers of its value added products (CBD/CBG/CBN etc...) and still treat it as if its MJ for reasons only known to them as many large retailers like 24 Hour fitness, Sprouts, and even some Safeways and many Gas stations have CBD products on hand. It could be a scale thing, where losing that large of a customer with immense volume is worth it, whereas a small retailer is not and carries too much risk.
Also, consider that the legal status still doesn't mean the banking Industry will accept them with open arms, Canada still has the same issues they always had when it came to financial services and banking where MJ has been legalized Nationwide.
Very.
Operation chokepoint essentially blackballed every single one of those Industries, and some credit unions tried to get a Charter from the Federal Reserve, and were essentially 'choked in the crib' when they attempted to.
Look up the story of 4 corners credit union, $100ks were wasted trying to appease the regulators to help members of the Cannabis Industry. Some eventually got other banks to participate, but it was still, and likely always will be what I always referred to as 'bank account whack-a-mole' where several accounts are shut down and have 2-3 to serve as backups when they eventually get shutdown.
This happened to a local dispensary owner, whose son is actually a Lightening Network developer and was able to route around it. Adoption was less than ideal, but it proved a point that the tech is mature enough to take on financial censorship if/when the will exists.