~snip~
What part of "be your own bank" did you miss?
He or, more precisely, they did not miss anything because this topic was created with the intention of advertising the service whose link the OP posted. If you look at his
post history, it is quite clear that he and at least one
other account that was posted in this topic is a shill for the mentioned company.
When you see what methods they resort to in order to get new clients, then it is clear what kind of service they actually offer.