More and more restrictions and limits and all things to make you yourself harder to use your own money but banks use your money to make profit you get nothing of this and top on that you Pay them fees.
It's like they gamble with your money and you even pay the. Fees for that.
Banks, imagine you have friend who is gambler you give him to hold money and you pay him fee to hold lol too.
though banks may gamble with customers money or invest in something with customers money, to generate money for themselves to enable them pay their staffs, so those fees you pay are the money banks use to pay their staffs, that why you should ask yourself is this question, how does Banks generate money to pay their staffs?
Banks generate money through services fees, like transactions, account maintenance and wire transfers, they deducted all this service fees from customers accounts in other to pays there staffs
Banks also generate money from loans and investments to enable them pay their staffs, that is to tell you that customers money in the bank are use by the bank to run investments to generate money.