You worked hard to earn that money, so you should be able to spend it on things that you want to, right?
But as soon as your money is on a bank, it isn't truly yours anymore. If someone else can decline your transaction, it seems off to me.
You should be able to buy what you want. I suppose that the reason could be "for the customers protection" but still, they are in control of your money.
When banks first started to do business, they paid you for your trust, so that they can invest with your money. Today we pay them money, so they can earn more.
It's just terrifying.