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Yao added that there were no longer any real bankers in China, and that most bankers had become “freeloaders” who latched onto the wide profit margin they could enjoy by taking advantage of interest differences between deposits and loans
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Actually, that is how banking is supposed to work. If this individual is complaining that the margins are too high, then this is a regulatory and/or system failure. Competition is supposed to keep the margins reasonable and the government is supposed to prevent collusion between banks.
The bigger risk is a move to undisclosed or under disclosed fees. In the US, where competition has thinned the margin between lending rates and rates of return, banks are getting more and more income from fees. This is the first line in the argument, the "toll system", and basic deposits and withdrawals should not involve fees.
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