Do you mean actually or for the westoids?

In capitalism, a scam is when a poor person does it. If a rich person does it, thats called innovative strategy. (Not joking)

In my opinion as a clerk, banks are always scams. Why the fuck would someone want to store their money somewhere in the first place except for electronic transfer (which also is a scam in its implementation).

There was the concept of cheques. If you hand someone a cheque you better make sure the money is there when the person liquidates the cheque. Honestly, cash would have been better and more honest.

Anyway, I think it will all get better when we implement council governance and decapitate the capitalist systems.