Thanks for the reply!

I agree 100%. They can turn off the access to the cash if too many people wanted cash all at once. Most banks have withdrawal limits per day and things like that in the terms to restrict people from having their money. I mean it makes sense from their point of view so they don't need to physically have tonnes of cash on premises but still it's less freedom for the common person.

I think it's crazy for us to be charged fees as well, they store and earn off out assets and charge fees for the privilege. Or some banks waive fees if your balance is above X amount all the time but charge the poorer folk money if the balance drops below. From a fairness point of view helping the worst off stay badly off!
Honestly, on the loan rates and credit card rates, banks should easily be able to profit with charging current account (chequing account) fees.