You've got too much wrong in that comment for me to answer to all of them, but you don't sound like you know much about the banking world. If they're charging

You've got too much wrong in that comment for me to answer to all of them, but you don't sound like you know much about the banking world. If they're charging fees, it's because it costs them something to offer these services. If they had their way, they just wouldn't offer services to poor people since it's more trouble than its worth. Neobanks like Chime are tackling that issue with pretty good success, but they're shifting the costs from consumer to merchant. Nothing is perfect, but it's pretty darn good for most.