//Nailit, I imagine the police would ask a man why he was masked when entering a bank?//
In normal circumstances jno, yes. But these arnt normal circumstances are they? A lot of people that Ive seen queuing for banks have been masked...awful lot of 'potential' bank robbers around.
//And if he refused to give an answer, yes, he might well be in trouble//
If he was in a queue, I doubt that he would be waiting to pull a sawn off shotgun.
Same with anyone going about their business. The police need a reasonable suspicion to arrest someone. Refusing to give your details is NOT a reasonable suspicion that you have a virus.