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.
That's how the banks work. They use the deposited money by their customers so they can earn interest from it.
It's like they gamble with your money and you even pay the. Fees for that.
It's not that they gamble our money, but yes, if we want to withdraw money and it's not an associated ATM, we have to pay the fees.
Banks, imagine you have friend who is gambler you give him to hold money and you pay him fee to hold lol too.
They secure the money though but forget about the idea that they're gambling it. Because they earn interest from an assured way through loans.