The problem is that the energy it takes to switch banks is way too high given the inconvenience, and they know. This applies to many small annoyances that are not big enough to vote with your feet, so companies abuse these things. Classic dark patterns.

It might be worth a few days work. It's a shame so many people choose convenience over principle, that's what the bad actors rely on. Stop participating. If changing banks is too much effort maybe doing the banking from the browser instead of their app is a compromise.