We need a company/group to challenge these KYC/AML practices and financial regulations on constitutional grounds. Banks should not be required to hand over private information to governments for any reason based on the 4th amendment. "The right of the people to be secure in their persons, houses, papers, and effects,[a] against unreasonable searches and seizures, shall not be violated" Incremental reform can help, but more than likely we need wholesale changes. Much of the Patriot Act has gone unchallenged, but if it were I'm pretty sure the Supreme Court would strike down a good portion of the act. Same goes with a lot of the 'virtual currency' legislation.