Encryption is not a crime, encryption protects all of us. Encryption, and especially end-to-end encryption, is an essential tool to protect everyone online. Attempts to undermine encryption are an attack to our fundamental right to privacy and an attack to our inherent right to security and safety.
It’s definitely not integral. You could just control the connection points. Ie, all your software tools on intranet and wired connection only. Any data can be decrypted.
Instead you just have to trust that anything you're doing is actually with who they claim to be. No encryption means no identity or security guarantee.
This specific thread is talking about transacting business and banking online. You should be more careful to keep your arguments separated. Otherwise you not only look like an idiot but you also prove you can't multitask for shit.