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.
Coca cola is a company that makes drinks, that is how they make profit. Banks make money from lending to people and charging an amount in return, that is usually restricted from being too punitive by governments and needs to be competitive with the many other lending rates out there. I don't see why you have hate for banks for following this business model. You have plenty of options to move around if you find your current one too restrictive but I've personally not had any issue with banks in the past - maybe it's more to do with your credit rating than anything else and you would suffer problems with any financial institution you might end up using.