Why would they give money of course it is their business. They loan it so they have money to pay to their staff and for the utilities. It is also another way of paying their depositors their interest. And that is some peoples money and they have no right to just give them away. It is a hard earned money by people who works really hard.
In addition to it being a business(and owned by a citizen/citizens), money is limited so if everyone could get 300k then the economy would fall apart or there would be mega inflation and it wouldn't end cause the govt would keep printing money in order to continue giving money.