There are a lot of good banks, actually. Most commercial banks have good intentions, certainly most credit unions do. But they are often forced by regulators to be bad actors. They are literally forced to fractionally reserve, even if they don't want to.

It's the government regulation and the central banks that are the problem. Banks, absent corrupt regulation, are perfectly reasonable institutions that supply credit and charge a premium for it. This is important for growth and development. It's a way of combining capital with innovative people and their ideas.

Banking is not evil. US banking regulation is evil. And central bankers are evil.

A central bank is a bank that lends money to a government at interest. This is predator, immoral, and should be prevented at all costs. This was a fight going back to the revolutionary war in the US, but sadly the good guys lost that fight and now the US government is beholden to a central bank that creates it currency and lends it to the government at interest.

Your local credit union is not a predatory organization, except so much as they are forced to be by the federal government's banking regulations, most of which were lobbied for and written by... wait for it... central bankers.