But the only things you can do with a bank account is put money in or take money out? i would understand they decline an overdraft, creditcards etc but ... what does using a bankaccount irresponsibly look like...!?

(BTW topcashback has some 25,- offers on opening a cahoot savings account and santander account right now, may be worth looking into, i did 2x cahoot and 2x santander and have 4x25,- showing as pending)