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.
It's not getting hard to use your own money, where did you notice that? Banks really use your money to make profit, that's how they have been working since the first day they were invented but it's not fair to say that you get nothing. Banks give you a loan but the problem is how easy it is to take a loan and how high their interest rates are. In my country, banks charge very high percentages and I've seen many people getting into worse debt because they haven't been able to pay 50% interest on their loan (150% back), it was a huge burden for them. Btw when you need money and there is no other option but to accept a loan with a very high interest rate, for a moment that helps you but long-term, it's causing worse damage. Banks know that and they intentionally do that, that's why I personally hate them.