Not commodified as much as regulated. The personal data that banks collect is probably mandated by the government, so switching banks doesn't really change the

Not commodified as much as regulated. The personal data that banks collect is probably mandated by the government, so switching banks doesn't really change the risk someone faces. And probably a bunch of other things that would otherwise be competitive advantages for customers too. The lack of full reserve banks (or close enough too) despite what would be a reasonable level of customer demand, for example.