Well, politically speaking, a bank should only be a service, but again, what kind of service asks you to let them 'hold' on to your money..... back in the day, all banks were seen as evil among the constitutionalist ,.... because they were. And they still are, but there is regulation that keeps them in check.
Limited daily withdrawal? nah man, it is your property, you should be fine to take what you want when you want it. if the bank or the bank system was to become unstable because of one dude withdrawing a billion bucks on one day, it is setup on fiat policy and primed to fail.
That being said, from a trading standpoint, I could care less what the banks do, or if a 'small' bank can actually compete with a 'large' bank.... it is a fractional reserve system built on fiat policy, what do you expect is going to happen.
Arn't we taught to trade what we see, not what we feel? I feel I know what is right and wrong, but who cares, right? I mean, I am not gonna cry about it. Instead, I focus on what is going on , or what could be speculated, and trade accordingly .
And I hate to break it to ya kiddo, but your balance BECOMES part of the fractional and therefore raises the reserve allotted to that bank . It has been that way in the US since 1913 and in the world since the 1950's .
Again, don't be upset, just learn more about it :)
Everything in the market is like a fart, if you have to force it, it is probably shit