Helping the Unbanked Discussion - Should Banking become a Human Right?

I also said

If Monzo think I’m fraudulent and close my account, I have lots of other options. Even if they give me a CIFAS marker. You’re a long way down the road when nobody at all, even the accounts set up to help people in this situation aren’t getting accepted.

I don’t disagree as such about it being a human right. Everyone should have the chance to open an account. But where do you draw the line if I commit fraud/abusive every single time?