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I often find headlines around the world that banks are hated , and was reminded of this today when Australian website The Conversation had the headline: Why do people hate bankers? No, really… The website cites research that bankers do not make excess profits and are not overpaid, but are hated due to being big and nasty. There’s more to it than that however. Banks are disliked as they play an integral role in stifling our ability to enjoy life. Banks, or rather monetary flows, stifle and oil our ability to relax and enjoy life.Worries over monies are a core challenge for the majority of society who are poor or unable to pay their bills. This was illustrated by a very sad case just in the last week of a pensioner who committed suicide over an £800 bill . In other words, it’s not banks that are hated but their role of controlling money, wealth and credit.This is a core of banking, and goes back to ancient times. The moneychangers who Jesus evicts from the temples and the Shylocks with their pound of flesh all emanate this dislike of financiers. The core of Islamic faith and its rejection of usury is another illustration. In other words, the use of money and wealth to influence and control is at the heart of faith and civilised life.Money is the root of all evil … and bankers control it.This is why money and banking is at the core of civilised life, and at the core of our inherited psychology . It is also why it is one of the most hated professions in the world. In fact, searching for ‘ bank hate ’ in Google produces some fascinating results, with most of the hits being rants against large American bank brands.It reminds me of the point made by one Australian banker when I first joined this industry, and that was that their brand sucks. “We know our brand sucks” he said. “It’s actually one of the least liked brands in Australia and comes just below the brand of cat litter in the rankings of brand recognition in the advertising charts”, he went on. “In other wrods, we’re less popular than what cats sh*t in”, he concluded.He was kind of proud of this fact, and it illuminated me to the knowledge that banks know they are disliked. Most senior bankers undersantd that their start point is that people hate them. They know this, as their role is to limit our credit and access to cash.The interesting factor from there is to see that this is an opportunity. If you know that banks and bank brands are hated, then you know that they will be even more disliked if they do the wrong thing. If a bank purposefully pushes people into charges thorugh the way they process credits and debits, or if a bank opaquely tries to introduce fees for transactions without transparency, then they know they are going to be disliked even more.This is what I find interesting today. For example, the story I used for some time about Molly Katchpole , and her campaign to get Bank of America to withdraw the $5 per month debit card fee is a case in point. If a bank knows that they start with zero trust and are generally disliked, why make it worse by levying unjustified fees?That is where banks like Metro Bank start. Metro Bank – who are our guests at the Financial Services Club dinner on 10th March – begin with the headline No Stupid Rules .What are the Stupid Rules?Probably #1 is to make profits by charging customers for things they don’t know they’re being charged for (that’s why free banking is going to end, as PwC reports this week ).I could go on, as this premise that banks are naturally hated is one that goes to the core of how to build a differentiated bank.