It’s criminal.
Are they paying their customers for profiting off of their income when they make loans or profit off of the stock market?
“Are they paying their customers for profiting off of their income when they make loans or profit off of the stock market?”
No, they’re paying their owners, the stockholders.
Nobody forces you to get a loan from them. You do it because it benefits you.
A no minimum on demand checking account earns the bank zero money, in fact it costs them since they have to process the checks and payments.
Expecting a bank to offer that type of account for free would be like expecting a ministorage to store your stuff for free.