To be fair, we don't want them doing too much stuff with our deposits, since they have to be able to give it back at any point. IIRC they earn most of their money off of lending as a result.

And here I am slaving away making nothing, paying 45% in taxes,

Where the fuck is that one of the lower tax brackets? Where I live 48% is the highest possible rate, including taxes from all levels of government. I hope your government services are pretty dope with that much funding.