Is it just me, or does anyone else think OP is making a story out of nothing? I don't see anything wrong with taking a very, very small fee for a bank to provide their seal on a document and basically verify it for everyone, I'm pretty sure all banks do this and it's fairly common practice, a bit annoying for sure, but it's understandable.
Now what I want to say is, At least In India, how does it happen is banks, are giving an interest of 4% annually on my money, and if someone wants to take loans they are giving it on 10 - 12% interest rate, which is a lot of money. So they already are making so much money, and for every small things, like transacting from ATM more than 5 times in a month, they will charge one time fee, and even for this small seal and stamp work they can charge, but not cheat or scam. In the current state it is all `we decide the rule of the game`
This is what usually happens with most countries, actually, India has it a bit better since their inflation is only around the 3.4%, which means you can actually profit off this, which can't be said for some other countries.
It's what banks are going to do, unfortunately, squeeze as much money out of their customers for performing actions as possible.