I think banks benefit from a certain amount of sloppiness. Get hit by a finance charge here, accumulating unnecessary interest on a credit card there? Who cares! Let the bank handle it, don't worry, banking should be convenient...

So despite endless paeans to customer service and 'community' and whatever horns the banks are tooting these days, seeing how you spend your money simply remains difficult.

By design.

Which is why the fix is not coming, and never will be coming, unless you implement it yourself.

Because it is difficult to get a bank to build a tool when the bank's profits are improved by them not building it.