Thanks for the inspiration, I first tried putting this in text but had to create an infographic instead...

https://m.primal.net/Lnyf.png 
This problem is very real, but it isn't an inherent feature of banks - it's just that function #1 being forced on us through the banking system.

Bitcoin, and ecash specifically, will fix this and allow banks once again to serve the customer, instead of having a different master...