i agree with you in principle, but the banks can be just as bad.

my company uses a bank, and i use the same one for my own account. this bank charged my company account for a monthly service that we did not use. the first month we told them, and then again in month 2, so we told them again, and then again in month 3, and so on for about 6 months. a year later and we are still asking for one of these charges to be reversed.

same on my personal account.

the bank did not offer me interest on the funds they removed from my account, but i bet they would be pretty quick to charge me interest if i was one day late on my credit card payment.

also, i think banks have an ethical obligation to highlight main points/issues in a loan contract. those things are pretty wordy and for many people it is difficult to understand them. i know that technically they are not breaking any laws, but i don't think it's right if the bank does not highlight all potential issues to unsuspecting clients.

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"Even a stopped clock gives the right time twice a day." Withnail & I