I agree with because banks use the money of their customers in generating profits for them self this is the reason why people should think of investment rather than saving it in a bank because when you save your money in the Bank you are even charged levy so saving in the Bank should not be prioritized over investments because investment will bring value to you back , what sustain banks are the charges that they collect from their customers
If OP is a bank owner I wonder what he will like to get in return for keeping people's money safe, he must have think it's easy, well nothing comes for free in this world, banks don't exists to work free for people, those small charges are big when they get removed from people's account, it's the way they stay in business.
As for how they use customers fund to enrich themselves that shouldn't be a problem if you get your money the instant you need your money, problem should only arise if you try to move money and it's not working, or someone stole your money from your account without any transaction details or notification.
In short, banks need to survive too, to stay in business, I stopped saving big amount in bank but I still use bank today, simply because it's the only way to exchange Bitcoin to fiat and spend on bills and things.