"lost control" seems odd, before 1999 I got a bank balance by phoning up a number and putting a ton of other numbers in, so I'm not sure when I ever had control

I guess I could automate my browser or write something, but the lack of a published API doesn't mean I don't have theoretical control over my device (in practice I rely on a linux distribution and firefox/mozilla to create/maintain the browser engine)

Sure in the future they could hypothetically enforce non-free methods to access my bank, and hypothetically all banks could do this, but that's certainly not the case now.