Bank do all that because they have employees who are paid every month, and of course they also need to benefit from their financial business. If you don't like the system implemented by the bank, then you don't have to deal with the bank anymore. And that might make your reason to remain in Cryptocurrency. If for me the reason to still choose Cryptocurrency is, this is a modern payment technology and this will continue to grow, if I do not follow this then I will miss the times.