I can't understand this point of view. Food isn't optional, and you still have to pay for that. Why should banking be free?

billing systems always expand to be as maximally complicated as the system will survive. Consider telephone billing toward the end of the last century, until the cost of billing exceeded the revenue from exotic billing systems, there were all kinds of insane schemes about internal, intra-LATA, inter-LATA, in-State, nationwide-LD, international, it was a complete circus. Eventually the cost of administrating that exceeded every other cost of providing service and now we just get "minutes" or even unlimited (provided with a weirdly billed data plan of course)

For another laugh buy a house or car with a loan and there's zillions of little fees and commissions tacked on to the base price. Complexity only increases over time, and it only decreases with collapse.

This is part of the logic of the old great depression "liquidate liquidate liquidate" guy who sounds heartless in retrospect but in practice the only way to reallocate poorly allocated resources in the modern capitalist system is to flush and start over, so not knowing the GD was going to be as bad as it turned out, the guy was correct, the faster the obsolete stuff gets flushed, the faster we get back to real living. Which is analogous to current conditions, and why many people are unhappy nothing has been fixed in the banking system (or another example is health care, obamacare and trumpcare have in common that they fix none of the core problems, which is our health care allocation system is an expensive disaster)

You don't order food from a restaurant and have the restaurant take/withhold a portion of your meal off you to cover the cost for bringing it from the kitchen to your table.

But they do charge you more than what it costs to make the food. I know what a USDA Choice ribeye costs and it sure isn't what the steakhouse down the street charges me. You could also say that your restaurant bill is covering all the food they have to throw away at the end of the night. Not to mention tip, there's another 20% add on.