The whole concept of banking is just a big sham, You give them your money and they use that very money to make profit afterwards they charge you all sort of taxes from the money. They can close your account at any time and freeze your asset at any given time.
These rates make things complicated for many people. Things could be much better if such banks did not suffer so much influence from governments. If such institutions did not have to pay high taxes, customers would benefit from it.
Many people really are being deceived by these activities of the banks earning a lot of money from them. That is the reason why I use bitcoin, it is a decentralized digital currency which is really great because no banks and governments are related to it, there are no taxes and we can send bitcoin anonymously. With these matters I think I can't really trust banks and their services, the fact that they are related to the government which means they are not really trusted.