Actually, for the wealthy it does.

Trump has been very wealthy since birth. The wealthy do not have bank accounts like your average wageslave like me, where their salary gets deposited regularly and they earn interest and make withdrawls - and perhaps have an attached home loan account, etc. We earn interest in high income accounts or term deposits and then pay tax on that earning - like suckers.

The wealthy use an entirely different model that focuses on using debt as its main tool.

Their assets including real estate, share portfolios, stock options and even expensive artwork are 'good debt', they perhaps don't own them fully (they may be mortgaged, loan-backed or options, etc) but they're assets that continue to grow in value over the medium term. If they sell them or divest them for real cash it becomes income that they must pay tax on. The wealthy hate paying tax. Solution: use the assets as collateral for loans and credit lines. This is how Trump lives like a king while (previously) not having much liquid cash, and also how Elon and most ultrawealthg do it - their entire personal spending is on credit accounts - debt - and by writing as much of it off as businesses expenses (meals, travel, security, etc) it all becomes tax deductable as well.

This is the same reason a lot of business executives request most of their payment packages as stock or options - it reduces their taxable income and builds their real wealth substantially. If they want a property: mortgage against their stock & option collateral. If they need money: bank credit line with their assets as collateral.

So when banks say to a member of the 1% such as Trump "we cannot give you a loan account, your collateral/outstanding loans at other fiancial institutions/criminal associates/track record is too risky for us", that means he cannot use that bank and must look elsewhere. He is debanked by them for his purposes.