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.
In my country, a customer cannot withdraw over the counter above the sum of #20,000 approximately $12.5 at once from Access Bank. This bank has already sold out huge amount of money to POS (Point Of Sales) merchant for their daily business while at the same time getting charges on per transaction on the POS device sold out also driving every customers to POS withdrawal for withdrawing #21000 above ($13) to pay more charge for getting your money from the bank.
The restrictions as well as the business strategy is quite obvious but there's nothing the citizen can do about it.