banks are not all that kindly towards their clients either!
No, but on the most part, they deliver fantastic services to their clients for almost no money. I can transfer thousands of dollars between banks, credit union, and investment accounts for NOTHING AT ALL: Zero dollars. They insure my accounts (again for zero dollars), keep them safe, and don't even charge account fees because I keep a few thousand in the account.
Now contrast that with California weed businesses that are not allowed to use banks. They have great piles of cash sitting around that can be stolen. They have to take piles of cash to pay their taxes. I don't even know how they pay their state and federal taxes. Take cash to buy money orders at Postal Annex? Use Starbucks gift cards?