If you're aware of a financial crime, please report it to the SEC or one of the other financial regulators through their whistleblower hotline. You may be in for a big payday.
If you think the terms are unfair to you, you have the option to not do business with this particular bank. If all banks do the same, have you thought there's a financial reason behind it that you might not be aware of (say, default rate, operational costs, etc).
Selling an expensive product or service is very different from committing fraud or stealing. There are plenty of practices within banking that are a lot more immoral than charging high fees.
For example, payday loans are explicit in saying they will charge you a percentage of your payday for a 14 day loan. But if you do the math, it's about 1000% interest annually
I am aware of at least 2, I'm not in the U.S. , to disclose one crime I'd have to breach confidentiality and the most likely outcome would be that the bank would get a slap in the wrist or even nothing, meanwhile I'd be sued to oblivion and it would ruin my life (the same happens with some other crimes I know about, I once tried an anonymous tip about some grifting in the military and instead of taking it they said they went fully hostile and said they'd trace my call !!).
The other one I didn't have enough proof, apparently someone else did tip the authorities and the shady payday loan company is getting a slap in the wrist. Not exactly something to instill confidence in our justice (and my country is one of the least corrupt ones!)
This describes most bankers? They’re generally smarter in that they work for an organization that dillutes responsibility for their crimes.