Dealing with banks was in many places horrible (still is probably). And more expensive. And worse than Stripe in every way you can think of.

You'd have to physically visit the bank. If they didn't like how your face looks, that's it. They'd say no we're not going to let your company open a merchant account for card payments. Or if they didn't like your last name, your age or your sex.

Then all kinds of strange fees. Although if you were a physical location with a high transaction volume, then banks offer better rates than Stripe.

Then your actual commerce software. The best quality systems for online sales all work with Stripe, and not with your local bank's offering. So if you want to forego Stripe, that also means you need to use a lower quality system. Meaning a worse experience for customers and for you and your staff.