Banks are totally useless entities.
My experience is related to Italian banks.
In Italy the situation is truly paradoxical: if you deposit in the bank you have practically no interest rate ...
When you enter a bank it almost seems like you have to say thank you ... but for what? For services that you are obliged to have? For services that are not needed?
I hope that the spread of blockchains can eliminate these parasitic and useless entities.
I totally agree with you @kus-knee