People use Banks only in the way Bank owners can make a profit. Banks should be used to account for the transfer of money along a predetermined path the same as the banks of a river allows the flow of water from where it is, to where it is needed. Get the picture. Somehow, somewhere, someone changed the modus operandi. If you fish from the banks of a stream that someone else owns, it's called poaching.
Fish move according to the feed and the current of the stream.
Money flows according to the current of electrons along a circuit in today's electronic world. If you want the footprints of money then the Vampire Program will help you.