They do. They manipulate us out of our needs and lifestyle. They know that many people today need banking for their various financial needs, and from there they manipulate our mindset by saying that banks can help them get loans easily and quickly, even though the money is loaned with high interest + collateral. They say that it is safer to keep the money in the bank because they need this money to be channeled to borrowers or reinvested in the capital market. And many other manipulative acts. So the bottom line is they manipulate us, period.