I don’t see what more US banks could do. I have been transferring money instantly to people online for over a decade for free. They have websites/apps, I can

I don’t see what more US banks could do. I have been transferring money instantly to people online for over a decade for free. They have websites/apps, I can withdraw paper money around the world, what other utility could a “bank” provide me? They are utilities that keep a database associating account number and dollar number. I earn a few thousand dollars from them every year in the form of sign up bonuses, and I have never spent a dime in fees for having an account or transferring money. If the US government offered a more protected way of saving money not subject to know-your-customer-revoke-access-to-your-property-at-anytime-under-the-guise-of-potential-criminal-activity laws, then I would use them.