My experience working for a technology provider for banks is that banks aren't going to be using uncensored models. Auditing, record keeping, explainability, carefully selected/thoroughly reviewed wording etc. are par for the course, and in fact that's where there's money to be made. Individuals don't care about these sorts of features, so the FOSS model ecosystem is unlikely to put much if any effort into them. B2B use-cases are going to want that, so it's something you can build without worrying as much about it being completely commoditized.