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.
Banking system is nothing but a business created by rich men to have access to liquidity and by liquidity I mean cash flow to fund their business, you the same cash to give loan to the people that gave them money for deposit, the government institution is also giving them that power to operate the way they like but to hide their wickedness, they call it policy bit this are not policies in my opinion, they are just operating based on their own profits margin.
As an individual, if you are not using bank for emergency funds you have no business doing anything with bank. I use bank app for daily transactions and info leave some money in it but God forbid, I will never save any money on my account for any reason, the bank I'm using doesn't charge me anything, they also gives free debit card except for stable vat transaction which is normal but I will never for any reason take put my money on them. The other once I open some while ago are blackout, I don't use them.