Banks are a pain in the ass.

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By design

I'm not so sure. I just don't think they've updated their payment rails for 30 years.

It's all designed to stop bank runs, keep it slow, and get people used to waiting

I was on hold for 30 minutes because I paid off my credit card, but an automatic payment also came out so I have $0.00 in my checking account.

They will reverse it, but it will take 10 days.

I'll probably get overdraft fees, but I would rather pay them then sell a single sat to for fiat.

Fucking Bullshit

It's just lame and a good reminder that I don't need them.

The central planners created a dependent abusive relationship

they are also thiefs and scamers 🤣

Banks are an anachronism in the age of ₿itcoin and will go the way of the Parthenon. 🏛️

There is no alternative.

Why would you pay negative interest rates for banking institutions to hold digital fiat debt?

There are and always have been alternatives. Bitcoin is the latest iteration that affords self-custody whereby rendering banks obsolete.