It can just go through a manual review and delete the parts that they're are legally required to delete. While I don't agree with a lot of the money laundering/terror financing laws banks shouldn't have to delete your data if you're trying to avoid taxes or whatever.

INITIATION is the important part, if they fail to delete the parts they're required to delete, F them: get them off the app store.

That last phrase (the punishment for violating record deletion laws) was a much softer ending to your post than I was expecting.

> If I can make an account easily, then I should be able to delete an account easily.

Sure, if you can open an account easily, then you should be able to delete an account easily. So if we make opening an account difficult, then it is fine that deleting one would also be difficult.

Sounds like an invitation to make opening an account at a bank or a bunch of other services much more difficult aka impossible from the app.