There was a time, not so long ago, that people were free to choose. They could do a thing, and, based on that thing, expect a specific outcome.
This was as true in banking as it is in everything in life. There is no free lunch.
However, then came along lawmakers. Those people who think they can institute “fairness” and legislate morality.
These people felt they could pass laws that would limit banks and limit ill begotten profits all in the name of “the common man”.
Now we see the fruits of their labor.