Bank normally is supposed to help people whenever they are in need of cash but nowadays reverse is the case, I don't know if I will say it is because of the government and currently bank charges is becoming something else, whether you do transaction or not they will charge you. Below is the reason I prefer saving in exchange to Bank
I think maybe we are expecting too much from our banks and leaving out the government who are the drivers of banks through their policies. The high and incessant fees we get from banks to our phones in the guise of maintenance of account and ATM transaction charges is not independent of what is happening with the current administration of generating revenue through taxation. It is the government "renewed hope" that is causing hopelessness in the faces of Nigeria and that is the reality on ground.
As to whether government is suppose to "help people whenever they are in need of cash" how do you mean brother? I hope you don't mean giving people money freely, no. If you mean making money available, fine but you also know the government/bank policy of decongesting the bank and bank premises. I think that is the reason that licenses have been given to Fintechs to operate and ease financial services challenges from the commercial banks. Also, the Point of Sale (POS) people too are there and helping to distribute money. I don't know when I have gone to bank so far for ATM transaction or to deposit/withdraw money from bank desk, this is because you are either using app or POS. It is just the charges that are beginning to be higher and reason being that government too is interested to scoop our small money through multiple taxation.
If we feel that banks were helping in the past, I don't think so. If you are ready with bank terms like collateral and interest rates, you will still do business with them just like it felt as if they were helping before because it was easier with collateral and interest rate.
What I see and the reality is that it is becoming hard to survive in the economy now unlike before so every charge is now obvious and annoying. Electricity tariffs too is there, it is not only bank that is chopping our money.
Important note however, don't leave your money or crypto in CEX. Not your keys not your money. It is better kept in Trust Wallet ( Non Custodial Wallet) and if you want to exchange using CEX then you do that by sending it there, convert and sell, money to your bank account.