The answer is legislation, Blackbear19
So point it out. Which statute in England & Wales required all women to have male family approval for a bank account and rendered it impossible for them to have an account otherewise?
The equality act stated that banks could not choose to discriminate, it did not reverse laws that said they must discriminate.
Married womens income was reported as their husbands until Nigel Lawson changed the tax laws in the 80s. However a bank requiring a husband's consent was a choice they made as a business, not a legal obligation to discriminate. Legal obligation re tax was on the man to correctly report joint income.
Ask them about all of their friends and their bank accounts while you're at it
Most of my DGM's female friends would have been single, most of that generation of women didn't marry. (this is basic history, not exactly a dark secret).
Single and widowed women reported their own tax and managed their own money. That is the majority of the women in DGM's generation. My DGM, her sisters and my DM when reaching adulthood had no male guarantor available even if it were required.
You may be unable to conceive of a scenario where women's lives were not run by a male family member but it was common for DGM's generation and their lived experience in an overwhelmingly female generation is not negated by your blind acceptance of a journalist's assumptions in the daily press.