Again: strongly depends on where you live, and what businesses are legally required to do? If you live in a world where people pay for everything by credit card

Again: strongly depends on where you live, and what businesses are legally required to do? If you live in a world where people pay for everything by credit card and banks are hyper-for-profit institutions, like the US, then it might blow your mind to learn that that large parts of the world never allowed credit card companies to replace banks, with banks actually offering services that people want need banks to offer, rather than having to rely on visa or mastercard.