Coming to what I like about Banks..
The best thing I can mention is indeed 'loan and debts'. One can finance expensive things which is usually not in his reach with bank loans. Moreover, interest rates as charged by banks are more or less within consumers reach. Most of the time, banks are cheapest mean of raising funds.
Now coming to what I not at all like about Banks..
The worst thing I can mention is indeed 'loan and debts'. From point of view of customers, banks generally manipulate customers due to their ignorance as well as own their commodity through 'hire purchases'. Most of the times, customers are not real owner of commodity until they pay off debts. While from the view of banks, usually big house as well as minor borrowers turn NPA thus contributing to the loss of national wealth.
The funny thing about what you are saying is that I agree with you and I really really disagree with you at the same time.
I agree with you about everything stated above in that people will inevitably need to borrow money at some point in time, which can act as a double edged sword. But I feel as if you are missing the point. The "root of all evil" in terms of Banks controlling your money is not the Banks you go to locally and get a loan from; but the Banks who
actually control your money, the
centralized banks are the root cause for everything bad about Banks and "money" as the general population knows it. Inflation is the shit that will keep us wage slaves for eternity... they will never want Bitcoin to be used because it is more sound and backed by a known limit/scarcity like gold.