I probably should not compare a country to a company, but when a company starts getting more aggressive with debt collection that is sometimes a sign that the company is in trouble financially. Could that be the case here or is that just wild speculation on my part?

Or is another possibility that these institutions are positioning themselves to become actual banks with their own ATMs so that one could entirely bypass the reporting that banks do for the IRS? Can people extract money from these institutions without interfacing with a bank throughout the transaction?