I'm going to tell you why: because fiat is not your money, and what you think is your bank account, isn't yours.

When you enter money into account you're agreeing with a contract that basically give up your sovereignty over that money to the bank, which at the same time plays under the rules of the central bank.

Fiat money is just a debt contract whose final beneficiary is the central bank, and it's a scam to keep you enslaved.