Seriously? I'm a "sheep" for hating the banking system we've got in place?
Let's talk about that "interest collected on savings", shall we? It's so little these days, it's pretty much worthless. Meanwhile, you let the bank use your money while it sits there, to lend out to someone else at a FAR higher interest rate than you're being paid on it.
Or let's talk ATM machines.... Ostensibly deployed for customer convenience, they're ALSO quite popular with banks because it allowed them to stop hiring nearly so many tellers to help people in person with transactions. That means, a big cost savings for the banks. All fine and good, except why then do I get dinged for $2.00 or more each time I try to take my OWN money out of my account using a machine not owned by my particular bank? And why, in most cases, will the bank who owns that ATM *also* add on a $2.00 or more fee for withdrawing the money? If I only need $10, that's a good 40% of what I'm withdrawing they want as a cut for doing it! With almost all of these machines in the same "network", it should be a trivial process for banks to sort out who owes who for a "foreign transaction" and straighten that out on the back end. Maybe worth a 25 cent surcharge, at most.
In fact, pretty much ANY interaction with a bank involves surcharges tacked on. Want a new box of checks ordered? You can be sure they'll sell them to you for at least 2x the going rate from any of the custom check printing services that advertising in the local newspaper and elsewhere (and get less choice about how you want them to look). Accidental overdraft? Now we're really talking extra charges! I guess they figure since YOU made the mistake, they can soak you with impunity on those, right?
I have no problem with a lender verifying a person is reliable and statistically likely enough to repay them before agreeing to the loan. But loans are where banks really should be making all the money they need to survive and thrive! All of the savings or checking accounts should just be tools to gather up some of that money to lend back out, and not viewed as MORE ways to profit from people. Most of the people opening one of those accounts will eventually need an auto loan, a home loan, or some kind of personal loan anyway.
And lastly -- I never found a bank that would lend me money at an interest rate as low as a local credit union. They're simply not competitive with them!