Financial institutions (banks) are responsible in handling financial issues, records, accounts and income of individuals, companies, churches and organizations. They respond promptly according to your demands on your accounts, they also have zero tolerance for fraud and are very security conscious, security intelligence and anti financial crime expertise but they've policies of not collecting dime from customers accounts yet banks are most wealthiest institutions on earth.
How do they make money?
* Transfer charges
This is what makes financial institutions very wealthy.
Yes. Not only in crypto there are taker and maker fees, Gold purchases also have a fee for making. So wherever we go all costs arise especially at the Bank when transferring funds to a different bank. It's all charged to customers or users. If indeed there is no cash balance, it will be debited directly to the customer's account, but of course with approval and done in front of the customer. maybe this is what makes the customer a little safe because there is confirmation from the bank. Conclusion everything has a cost associated and attached and nothing is free.