Jesus and the Apostles taught us to honor, obey, and respect those in authority over us. However, they also recognized that said authority is limited. "And He (Jesus) said unto them, Render therefore unto Caesar the things which be Caesar's, and unto God the things which be God's." (Luke 20:25) Look at the laws of the commonwealth of Israel, as outlined in Deuteronomy and elsewhere in the Pentateuch. The role of the civil magistrate was highly restricted to the preservation of civil order, the fairness of weights and measures, and defense of the nation from foreign invasion. Acts of charity were to be handled by the priests, the Jewish "church." Trade, farming, the crafts, etc. were only regulated to ensure honest weights and measures. In the areas of charity and economics, the civil government did not intervene. Of course, these were laws for the commonwealth of Israel, which ended with the fall of Jerusalem in 70 AD. However, the principles of civil governance found in the Bible should serve as a role model for our times, adapted for the different functions of ancient Israel and the modern Christian church.
Our own American history provides precedent to establish the fact that many Christians recognized that magistrates are subject to moral law. Furthermore, resistance, even to the point of revolution, is justified when governments defy that law. There is an underlying principle in English common law and history, dating to the rebellion of the noblemen against King John, which led to the Magna Carta, that supports this position. Several clergymen, such as John Witherspoon, were among the leaders of the War for Independence.
Your analogy of government run entities, such as roads and elections, with privately run entities, such as banks, is a false one. The government owns the roads and the voting booths and thus may set standards for those items it owns. Banks and credit unions are private enterprises that are not owned by government. It is beyond the proper jurisdiction of government to force bankers to demand identification from customers before they can do business with said bank. The same could be said for other laws that interfere with the use and enjoyment of private property where such use and employment. Such laws are contrary to the teaching of Scripture in these matters.