Decades ago, I read a small op-ed in the local paper where the writer said that if banks had their way, your money would be deposited and they would give you "an allowance" to spend. If you needed more money for something, you'd basically have to beg them to get your own funds released.

Anyone who has had a controlling parent or spouse will understand this. It's all about playing God with other peoples' lives. It gives people like that a huge rush to think that they hold the quality of someone else's life in their hands.