You're onto something, but from some Romanian local investigations and public statements into similar cluster of laws [0], it's just something banks lobby for, so they can have more control and consolidate their place in any transaction chain. Maybe govt benefits a little, but when you see limited cash withdraws or commercial transactions requiring a bank system, it's usually private gains at play.

[0] (Romanian article) https://economedia.ro/parlamentarii-usr-au-depus-un-proiect-...