There are many kinds of banking business, and the most important business of ordinary people is savings business. No matter how much handling fees are charged for savings business, banks are losing money. Because banks have to settle interest on savings accounts, they will eventually charge more fees and settlement interest (don't just look at small accounts, look at the big ones on average, look at all).
Banks also have other businesses, such as investment business such as funds. Banks have investment projects, and the profits of these investment projects are one of their real sources of profits. Closely related to the people is the credit business. To put it bluntly, the credit business is to lend money and collect interest. Loans can be housing loans, car loans or government investment projects (billions). ...
And where does the money for these loans come from? Savings business ...
When a company goes public, it doesn't just distribute profits to all shareholders (if so, isn't going public a charity? Hehe). Instead, first ask investors in the stock market for funds, use these funds to lend or invest to earn higher profits, and distribute some to shareholders when the share distribution expands.
Don't forget, listed companies usually take money first, print the value of their own company on white paper and turn it into stocks, and then sell the stocks to get funds. It can be said that it is a process of taking money first, then making profits and then redistributing.
In that case, do you think Americans or listed companies earned it?