What banks charge fees for web banking!? That doesn't make a lick of sense, imho... That incentivizes using much-more-expensive in-person banking.

Also, even if there are some banks that don't have web banking, it's easy enough to switch banks (at least, in the countries I know about). Some people even regularly cycle through institutions to get sign-on bonuses a couple times each year.

But, yes. It's less convenient to use platforms that respect privacy, and requires some trade-offs.