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.
I wouldn't use the word "gamble" because they are doing so much work trying to keep your money safe and secure for you, beside that, banks didn't force anyone to deposit money into their system, and don't you think they deserve the little profit they make with your money in what ever business they do with it? The fees you pay them are just little token for keeping your money safe for you so it's not a big deal.