First of all, I agree completely with your assessment in that banks are not what they are supposed to be and have been manipulating a lot of things and have shady deals going on. The concept as such is not that bad though

BUT

In your whole post there is one thing that cannot be tolerated:

Atilla did not deserve this

In short, they have a record of integrity on a par with Attila the Hun, and therefore should absolutely be trusted to make decisions about how you choose to conduct your business.