Yeah they're shitty. That's why maybe you shouldn't financially support ecosystems that you don't like just to use apps that are actively hostile to you. You don't need those things.
The problem with not using those banks is that I don't think there's any banks that aren't hostile like that, and keeping all of your money under a mattress is a worse choice than compromising on this principle.
But yeah, fair enough! I choose to just not chat to those people, but I totally get that it's not that easy for some.