I think there used to be a balanced trade - like exists in many small banks and credit unions now. For holding your money with FDIC insurance and whatnot, the banks got fractional reserve and the right to lend your money at a particular interest rate - which they then shared a small piece of.

Now, banks are predatory. They charge you fees for everything (including having a deposit account!!), barely if at all share revenues derived from your money, and routinely flirt with disastrous insolvency, propped up only by the largest government on Earth.

That's why people feel like they've gone from customer to Matrix-style energy plant.