It's very simple, a bank is nothing different than any other company in the way that it needs to make profit. Look at it from that point, and ask yourself why they would hand over free money to people? Doesn't make sense, right?
For sure it makes sense, as you stated banks are companies, and well they give us money as long we save or apply it at them, soo the question is they charge a high fee and pay a very low interest, soo those should be readjusted as the money from their services come from their costumers.
If all the banks in the whole world would give their money to people, then money would have no more value. We will go back to the barter system where we trade goods in exchange to another goods. Money has been a strong force for people to work their whole life, if banks just give money away in exchange of nothing, then people wouldn't work anymore. 
