Only tangentially related, but let's not fall into the fallacy of the middleman -- middlemen are only bad if they are legally or otherwise monopolistically required to be there. In other situations, they add value in the connecting of producers and consumers.
What value or service are they providing, and which "producers" and "consumers" are they connecting? In fact, they do have a monopoly wrt. their customers: they can credit themselves assets by creating a matching liability – inside the confines of regulatory limits – while ordinary people and businesses can't, and thus they have to pay the bank a fee to do that for them and give them the money.
