That's probably a rhetorical question, but I'll bite. Game theory applied to evolutionary biology provides a compelling qualitative answer to this question. You can read about it in Richard Dawkins' "Selfish Gene".
Basically, if social interaction is regarded as an Iterated Prisoner's Dilemma, with options to cooperate or defect at each turn, one might say that a society cannot prosper if everyone always defects, but also that a society made up exclusively of cooperators provides an advantage to genetic mutations that give rise to defector behavior. Societies will therefore tend to have a some degree of cooperation with some freeloading from defectors, and the balance will fluctuate.
(though I have no idea how one would go about that and it's probably too risky)
I use schwab as a main account (free ATM usage world wide w/ no currency exchange fees), keep a free BoA eChecking account for cash deposits that I haven't done in years and have credit cards with various banks.
I also use schwab & vanguard for index funds.
https://www.schwab.com/public/file/P-6425867/SLS77378-01.pdf
As a slight aside, since I've been hammered by this in the past, even if the card says no foreign transaction fees, that can be sort of a lie if you're getting screwed on the foreign exchange rate. Unfortunately, figuring out that rate can be extremely difficult not just because the spot rates changes daily, but because most banks won't disclose their formula. At least for wires, some banks like BofA and Wells Fargo take upwards of 4% off the spot rate (think xe.com numbers) in addition to fees. Though, do they do not and not required to call this a fee. Basically, what I found is that the no foreign transaction fee cards can be a scam. I have no idea what Schwab is like and I'd be curious to hear.
Of course, a drug dealer with a square reader plugged into his iPhone would happen first in SF.
The only thing I can think of that I can't get from my credit union is depositing a check via phone/photo. For me that's not a big deal, a local ATM machine works fine for those infrequent occasions.
What other online services am I missing out on, that only the big banks have?
Minor caveat: don't open your account or apply for loans online. They both "offer" it, in the sense it's theoretically possible to do, but a giant pita. Just go to a branch. Provident took 3 weeks to replace a stolen credit card.
Other than that, they're great. I've been in branches for the two probably 5 or fewer times total in 8 years of being a customer.
Also, a human answers the phone when you call! One that's empowered to help you!