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I don't think the bank is a good analogy, you get a benefit out of using their infrastructure which isnt represented in your example.
It's more like someone running a makerspace, you can come use all the machinery they've put in and produce whatever you want (within some rules of the owner) even in collaboration with others. But they've put a clause in the contract that they get a copy of everything you produce there.
In the end you're getting the benefit of using their machinery and space to collaborate and they're getting a copy of your content. You can either decide that deal is worth it or start your own space.