What is your knowledge about how your bank account works?

What exactly is the question here? The rule of thumb is caveat emptor. One always has to be careful. Banks are charging record high fees and have record profits. Some additional regulation is probably in order.

sorry not interested.

It’s important to know how money works.

I think you are confusing banks with business in general. They want to sell you more products just like Apple want to sell you the new iphone.

The other issue here is that it is often perceived as a hassle to change bank accounts and therefore consumers tend to stick with the same account their entire lives getting screwed over. If your current banking product doesn’t suit you change it. Arguing with the teller (who is only doing their job) won’t make any difference, market forces will.

Banks are one of the branches in business.