Firsty, them deciding what is suspicious and not suspicious
Not everybody is an employee working for someone. Some people are entrepreneurs, and as an entrepreneur, you can have some HUGE days. I don't need a bank telling me that my successful day where i made $20k+ is suspicious if I want to withdraw all of it. (people have been arrested for making large withdraws before).
Also, banks freely allowing their customers to scam business (via chargeback). Instead of blindly chargingback purchases and screwing over merchants, visa applicants should be required to take a course outlining the risks of credit cards, and Visa should do proper investigations when a chargeback is brought up.
If a tracking number and proof of delivery can be proved, why should the customer be given their money back?
ALSO, i recently looked into banking investment options. It comes across as a way to just make more money off customers. Think of it like this. It's like it's just them taking your money so they can invest it in polyniex. I only tried it out cause my family (who doesn't know about bitcoins) encouraged it.
Do you have any gripes about banks
They can charge you to give you your own money. They can refuse to give you your own money. In a bank run they can be unable to give you your own money. If you want to borrow, the rate is very high, whereas if you want to save you get nothing.
Those are the gripes I could think up off the top of my head, there are definitely more. Oh yeah, foreign currency exchange rates. In Germany, the clearing times for transfers can be 2 days too. Lots of things not to like.
