Re: The folly of individuals notwithstanding...
When did banks get to tell their customers what they can and cannot buy?
For ages. Last year I tried to withdraw £2,500 from my current account (HSBC) at my regular (big town) branch - there was hugely in excess of that in the account (and a decent sum in the associated savings account) - but they refused point blank until I could "prove" what I wanted the cash for. I've banked with them since they were the "Listening Bank". I even went to school with the cashier!! It was pretty bloody annoying, I can tell you.
I'm far from the only one to have suffered from this - look online, you'll be amazed.
The banks hate cash or anything they can't control themselves.