There is a systemic attitude in Thailand that the banks arent there to 'help' people but that they are a business, and like any other business they love to make as much money as possible. Banks seem to think that people should be grateful that they are allowed to keep their money in their vaults in exchange for snazzy apps and promptpay. There is an air of arrogance and passive aggressiveness in most Thai banks, which I have personally been on the receiving end of.
People seem to forget that without the publics money banks wouldn't exist in the first place.
Just look at their low interest rates, yearly card fees, ridiculous APR levels etc.
Banks should be there as a convenience to the general public, not just as a money making enterprise. In turn for our cash they should give a decent ROI in terms of interest rates and other attractive benefits. Add to all that the cultural aspect that Thais don't like to rock the boat too much and it's a win win for the banks all day long.