There were many "new" banks. Free and easy. But no offices. Places are extremely expensive, people are too. That shit trickles down. And yup, total bullshit but that's what it is here (germany). A handful majors that have offices all around, but those cost. Even with income they still charge you. Even though you deposit a ton of cash THEY will gamble with, they still charge you for that :-) One even charges me for every transaction separetely. Like 5 fucking cent i think. On top of the basic charge. Very sucky for an account with a large volume of transactions.

The worst with those "modern" banks on the other hand is not only the app-shit, but also they only accept you with video-ident. Some video-conferencing-bullshit where like 512831 "legitimate interest"-partners have your very details and video at hand. Costs them just some bucks, all other identifications are more expensive and hence ignored.

Last bank-account I needed to switch phones with the app, and they locked me out. "Due to security-reasons". I needed a FULL verification process again. My response "I don't do video-chat, period" was ignored. I was effectively kicked because "security" kept them accepting phone A in my hand granting access to phone B in my other hand. Over the same wifi, at the same location, by the same fingerprint. Withdrew all my money, overdrafted to max just to piss them off and canceled my account. You probably guess how fast they could suddenly be with REAL customer-support :-)

Long story short: Most people just don't care. They do the video-ident, always use credit- or debit-cards, and never ever stepped foot into a bank-office. And those that care about offices, usually don't care about the cost. I'm just a horrible cheap-ass :-)