You don’t have to use a bank at all, you opt for a credit union or a host of other options.

As someone who’s banked with a credit union before: we still just call it the bank and they have all the same issues normal banks do with shitty tech support

If someone wants the ability to bank in person at all then it can be incredibly difficult if not impossible to find a bank that doesn’t have shit IT

You get more freedom with online only banks (what I use now) but those also come with tradeoffs like cash being much more annoying to use