::
I’d say one of those thing:
– you’re trying to set up recover, then it’s okay. If you don’t want it you should be able to skip (i hope ledger live doesn’t force recover to new clients)
– you have a fake ledger live, did you got it from official source like google play or ledger website?
– maybe some fiat onboarding app is asking for those kind of stuff, use another one
And for the bank declining, maybe your bank blacklisted crypto stuff, try something like revolut
Edit: i read quickly and missed the “buy ledger live”, yeah as someone else said, it’s free, uninstall anything you’ve installed (if i were you i’d reinstall my computer/phone from scratch) and go through the right channels to get it.