Law made by governments protect banks and their board of directors. If banks screw you for your money, government or some other insurance company will give you back your money but no one will be punished for that incident, that happened in all the countries with at least one bank, in my country several banks announced bankruptcy and people lost their money and they waited for years to take their money back.
They are also earning from your deposits, your transactions and that is fine by me, but where all that money is going? We should never trust banks, they are supporting current system, they support wars and companies that earn from wars. They are directly connected with many bad things in this world, and that's why we should stop using then and have trust in them.