It’s like… I want to disagree with you, but you’re making me think.
Why are we ok with having required services that are only provided by third party companies?
They’re not specific - No government says you must have a Facebook or Twitter account. But you’re right - you have to have a bank account and you’ll not get far in 2024 without email.
What about a step further? If you want a phone number, you need a landline or mobile. Both of those are only provided by private companies too…