You state that you don't understand why people use large, complex banks. Then state that you have a very simple, financially uninteresting life.
You answered your own question.
You answered your own question.
Is there something banks like BoA do better that I'm missing? When I've asked people I know this I haven't gotten any good answers. I'm genuinely asking.
My impression is that BoA, Wells Fargo, etc. mostly take advantage of customers that don't know better options exist.
For me, Fidelity is a non-starter, for reasons that are none of your business.
It's nice that you like Fidelity. But it's a good idea to recognize that your finances and life situation are unique to you.
Lots of people talk about finances online. See r/personalfinance or r/financialindependence. It’s a good way to learn.
I cannot convey 50 years of my financial life, experience, and history into what fits in an internet post. Anyone who can probably has a very narrow view of finance. I can say that I know how to manage my finances, and my accountant agrees with my methods and track record.
But if you think Reddit is the route to financial literacy, I can understand why you don't understand.