Normally that is what a bank is. A bank is the company that helps you get a loan if you need it, it is a bank that gives you more money for your money (savings account), it is a company that helps you store your money and use a card instead of carrying all your money.

If you look at how banks should be working in reality you will see that a bank is the greatest help any person can have financially. They are really built to be the financial help anyone could ask for. However banks in these days are more ruthless and cunning and trying to make a buck from everything since they have millions of customers, a bank that can screw their customers 1 dollar would profit in millions.

Also they now have shareholders who buy their shares and expect them to outperform themselves every quarter and that makes it harder for them so they try their best to profit while screwing us in order to profit.