As much as you're using the banks and show you're having total confidence in them without having an alternative, they will always comes with a surprise for you over the account you have with them because you're only saving your money with them in other to use for their own business and nothing more, the moment people realized that money in the bank should also have some incentives it would have been generating for us then they will realize that these banks are just using us to make business with our money, yet have the gods of denying us right to it.