How is a list of seven(!) different analyzed potential factors reduced by you with a "wtf" to one of those?
And then followed by an anecdote, a correlated studies off topic to the study described and a bit of conspiracy theory (note: one of the few I even support myself, but i's out of scope of this article!).
You're actively harming the points you want to make by jumping onto the wrong targets.
Two come to mind but there will be a big caveat below: Either consumer protection: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=celex%3A32011L0083
Or more likely though the psd2 (I hope this one is the correct link, mobile...) https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=celex%3A32015L2366
Now the big catch: you'd need to proof that you're dependent on that bank with no alternative, otherwise it's hard to argue that you are unfairly treated as it is up to reach company how to implement the psd2 securities requirements.
What happens if that you either agreed to their shorty app when signing up for a bank account or they changed their terms of service. If it's the latter than you need to agree to the changes or change your bank.
It would get more interesting if you need a specific app or device to close your account - here I'd be completely out of my depth but I would guess that it then depends on the specific national implementation.
Remember that EU law usually needs to be translated into national law for you to be applicable.
For your second question that is even worse news: that's for us as consumers to solve (depending a bit on the national implementation, at least in Germany companies and state are not anymore required to accept cash for invoices).
Edit: I answered only because you asked for the EU laws, I'm not at all familiar with the NL implementations and stumbled here from All :)