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 simple, if you dont want bank to hold your money then you can go to the bank and take it. Or you can as well don't even save money in the bank. All I know is that bank has been the traditional way of keeping our fund safe even though they use them for their business. There is nothing you can do about that because you need the bank to keep your fiat while your Bitcoin wallet to store your crypto assets. You can not completely rely or keep all your fund in crypto or put all your fund in an investment while you need fiat. You can learn ways to earn money or increase your sources of income than thinking about what the bank doesn't with your money at least they pay themselves for savings your money by using them for business. Or do you want them to completely save money for you without making profit? Of course no I don't see anything wrong if bank decide to use it for business because anytime you need your money it is always available. Even if you still save it yourself without investing, it will still not add anything except for the fee they deduct from you all the time.
Banks exist because most people don’t want to stuff cash under a mattress or memorize seed phrases. For 99% of daily life, convenience beats ideology. And yes, money in the bank is part of a social contract: they use it, you access it when you want, the world keeps spinning. The fee is the price of modern friction
If you trust banks, it’s probably because you’ve never hit the hard edge of “your money isn’t available”. Ask anyone from a country that’s had a banking crisis or a currency freeze. This “take your cash anytime” is only true until it’s not. So yeah, banks are business, and business runs on trust. But isn’t the whole point of Bitcoin and self-custody about not having to ask for permission?
What nobody really says: the line between “bank for fiat, wallet for crypto” isn’t fixed. We used to think banks were safe forever; now, crypto is a backup plan for some, main account for a few, or a playground for the restless. You’re right: diversify, don’t obsess over what banks do with your money, but don’t forget history can flip the script overnight. The real move is managing your exposure with open eyes and non-attachment. Fee or no fee, it’s always a trade