I'm no friend of the banks. What you've said is true but also the wrong conclusion. A huge percent of "account" customers lose the bank money because they are

I'm no friend of the banks. What you've said is true but also the wrong conclusion. A huge percent of "account" customers lose the bank money because they are poor and never leave much in the account. How are they supposed to remain a customer rather than a product? There are 100 answers for all of this I'm just bringing up that fractional reserve doesn't necessarily mean the bank doesn't need a fee ever. The entire system needs changed though.