For many people, banking seems like a necessary evil. They don't relish the idea of needing to store their money outside their home or pay someone to access it, but the security and convenience of a bank account is almost necessary. While it is possible to get by without a bank account, that usually means that you have to pay a lot of money to cash checks and purchase money orders to pay bills.
The fees and costs associated with a standard bank account may seem reasonable compared with the hassle that people have to go through to avoid opening a bank account. In some cases, however, the bank actually has an abusive or inappropriate policy for fees that ends up having a negative effect on customers.