Banks offered free checking as an incentive to generate business - years ago they gave away toasters and green stamps. It's business - incentives change - the world moves on...
I like your attitude - it's good, but your conclusion - - well, not so much. I believe in the long run we'll win ... our ideas are better... and I'll bet in your heart you agree with me.
I do hope and pray you’re right. But the more I see on social media the more depressing it is. Some days it’s harder to keep a positive attitude. Even FR is pretty depressing.