> Do you honestly think that a black person right now would have trouble finding a restaurant to eat in even if there was no law forcing all restaurants to serve them?

No. My point is that it's not as big of a deal as you make it out to be. Competition didn't suddenly disappear because of that.

In the EU we already have the laws we're talking about, requiring banks to provide you a basic bank account. The competition between banks didn't disappear here either.

Also banking is not exactly a free market one way or another.