As the article says, banks are trying to get out of this business. They are probably just there to avoid angering customers who already have one, and to appeal

As the article says, banks are trying to get out of this business. They are probably just there to avoid angering customers who already have one, and to appeal to the nostalgic sense of a bank being a physical thing. Not sure what regulation will really accomplish other than giving them an excuse to exit the business faster.