They aren’t legally required to offer those accounts, so by offering them they are asking for consumers to open accounts and deposit money.

As Robert Frost wrote, home is where, when you have to go there, they have to take you in. Banks provide deposit and checking services for which they are typically compensated by the use of the money. But if that won’t get the job done, the depositor has to pay. We can call the account a loan to the bank, but if the bank can’t deploy the money at a positive interest rate, it’s economically just safekeeping and checking services.