tricking people to save paltry sums of money meanwhile using the gains in interest to fund your company's most recent marketing campaign to trick people into buying more useless garbage they don't really need . what's wrong with this picture? in any case, i suppose this is good -- in the same way a slave owner providing food and shelter is good for the slave. you even have to pay to deposit and withdraw money.
I've also worked in conditions where I lived in a 1/4th of a trailer with a half-height locker and whatever I could keep in my top bunk with me -- I shared the space with another adult. I had a few sets of clothes, a jacket, no internet or useful entertainment and 3 shipped in boxed cold, marginally nutritious meals per day. I didn't die and I'm sure I could lose many of those "luxuries" and still not die.
Once when my parents made some bad financial bets, we ended up homeless and living in a motel. It turns out a family of four really can live in space not much bigger than a foldaway bed, a small bathroom and a hotplate. Amazingly, even after months of this, none of us died. I'm sure we could have gone even more spartan if we had needed -- maybe share the bathroom with a few other rooms? Combined instant noodle hotplate cooking area with some of our neighbors? Why do we need heat, just wear more clothes! Don't need a/c, just wear less! Don't need heat or a/c, don't need electricity then, use a butane stove instead of a hotplate! I guarantee, we wouldn't die.
Humans need remarkably little. Most humans would get along just fine with two sets of clothes, a marginal blanket and a decent cold meal of daily calories every day. And yes, they'd get along for quite a long time like that. It would be a wretched, terrible existence, but "need" doesn't leave room for pleasantries.