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.
Every bank in the country is run according to the rules of a central bank. And here everyone's money is given security. If you keep your money with you, there is a lot of fear of losing it and when you have a lot of money, it will not be possible to keep it physically with you. And the bank provides the solution to this. Where you get security for your money, how can we expect to get more profit from the bank. Banks never invest customer deposits in places where there is a fear of losing money. You should not hesitate to invest your money in high risk for big profit because if you lose your money, you will not have any responsibility. But if the bank invests customer money in high risk and loses it, then how will it pay the customer's money and that is why very little profit is obtained from bank deposits.