Yes, but there are two issues here. One is getting your trouble resolved. Sadly that means doing some work you shouldn't have to at present. The other is sharing all those experiences so that we can garner momentum to change things.

Both problems can be resolved by moving your accounts to a credit union, and encouraging others to do the same.

I like credit unions, but I recently left one after they started adding various fees. CUs also often do not have the resources of a big bank. I have been stuck in Europe before waiting for the bank back home to open because they blocked my debit card even after I told them I was traveling. The contract 1800 number could not fix my issue.

IMO, the current best banking experience is Schwab. Hopefully they don’t make dumb changes and screw it up.

There is a theory that you should fix your own problems before you fix other's.

That's not a theory, that's a slogan.

And that's a straw man

You can do it concurrently.

Bingo