European banking is a really sad state of affairs

Moving away: close your bank account, you must live in the country to have a bank account here.

Moving to: you must open a bank account here, we don't accept foreign IBANs

Using a banking application: you must have US tech spyware on your phone, otherwise we don't consider it secure.

We need a European federation. I want to be able to move somewhere with my European bank account, get paid by European employer, pay with my European money using a European payment system without having to tell some other non-European country all about it.