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We all depend on banks. They help us save and they help us spend. Yet for many they represent everything that's wrong with the world of finance. Poor service, high fees, creaking IT infrastructure, and a market controlled by just a few providers have combined in recent years to create a personal banking crisis every bit as severe as the global financial crisis. How have things gotten this bad? Why are banks unable to balance providing good customer service with making a profit? And what can we do to protect ourselves from the tricks banks play to part us with our hard-earned money?...