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.
That's just how the banking system works, it may sound unfair to the customers, but they are businesses, and they need money to operate and grow.. and by managing their customers' money they can pay their employees' salaries, building operating costs, and various other things. While you as a customer will get the benefit that your money will be guaranteed in their system, and you can get access to various services they provide. If you feel that it is unfair, you can make a decision not to use their services, that's all.