And where might that bank be? I live in a relatively small city (~100k people) and each of the three banks I have accounts with has at least 3 branches within 30 minutes walking distance. Even if all of them tell me to fuck off, I can hop in a car and be at their headquarters in 2 hours or at the ministry of finance to file a formal complaint in even less.

Best case scenario for me with Google's bank would be an 8-hour drive to Germany, just to run into not only a language barrier, but a buerocratic one as my ID would not mean shit to them and their regulatory bodies would not even consider hearing me out without going through the EU first (== more buerocracy). All of this I would of course have to accomplish while not having access to my bank account.

Banks are one of the few decentralized services that have survived the modern economy and while I would switch banks immediately to have access to even something as simple as a balance check API, I would rather continue to fight the reverse-engineering arms race with my current bank than hand over my finances to a faceless, poorly regulated, foreign corporation and risk any one of a million possible small mistakes leave me penniless.