I'm not going to comment on all the issues you listed, only for the last part. I think it's a grass-is-greener thing, and you see the bad stuff for one side an

I'm not going to comment on all the issues you listed, only for the last part. I think it's a grass-is-greener thing, and you see the bad stuff for one side and the good for the other. There are banks in Europe too, that suck. I had an account in Bank Austria. The username was a number they gave you, and the password had to be exactly 5 numbers. There was a place in the FAQ somewhere that said you can put any password you want, as long as it starts with 5 numbers, and the reason for that is that only these first numbers are taken into account, because of legacy mobile banking (as in, banking from your mobile via sms).