There are basic EU regulations were you need to state whether you understand the product or not - and to make sure the bank is not selling stuff you don’t understand, and that you won’t sue them claiming ignorance.

Anyone can and has to do it. Bank offers free materials for you to understand what you are doing.

Making sure you don’t commit financial suicide and then turn around crying “banks are bad” is, to me, a positive measure for everyone. And is free to consumers.