Even aside from all the fuckery, interacting with banks absolutely sucks. 

A relationship with a bank is only useful to people who don't value their time.  

 Potential solution for US based residents is ICB https://image.nostr.build/ef79d4e829a7ac9197543708d0a7789a8ef72cb2b3524479def4a5e8c1dabf88.jpg