If the govt chooses to interpret third party financial handling of SS checks as auto deposit financial institutions, then everyone who gets a SS check will have to surrender their guns.
Catch-22: You must accept auto deposit there are no other options.
Before you say this is outlandish remember the tactics of the anti-smoking lobby. Over the years the goalposts crept from "Our own section in a restaurant" to "It's a crime to smoke in your own home".
That was my first thought. Direct deposit means it goes “first” to your bank in that it manages your account