Top bank administrators control lots of investment with people's money, build real estates and make profits. All deposits and collaterals from loans fetch them multiple amount of money. They live a better life, and customers are the ones who suffer. In as much as it's a financial business all their motive is to reap from depositors, and clients.
Yes, parasitic situation it is.
If you feel that it is unfair, you can make a decision not to use their services, that's all.
This is not true. In many situations now, you can not avoid using a bank. Because of that it should be considered an utility that is more easily available to anyone. No control or heavy restrictions.