I have had really BAD experiences with banks, so I forget how some people don't "get it yet" because they haven't had similar hellscape moments.
People will accept whatever banks throw at them. Monthly fees? Please sir, may I have another! ATM withdrawal limits? Please sir, may I have another! Waiting til a Monday or after a holiday for a deposit to hit? Please sir, may I have another!
People just...take it.
Meanwhile, the U.S. is full of felons who are unbanked and don't have the "privilege" of having a bank account. 🙄 This is where we should be orange pilling...