the way i see it is as following:
The fact that people do not like/hate the card 'bank'
would probably be because it doesn't add much to the gameplay or to the fact that you loose or win.
For some it would just be a useless card, takes up a vital spot in their deck,
saying they have better cards (that do help them to win the game)
For others, which grind Ai3 for example, removing 3 of their cards for 'bank' in their deck,
wouldn't reduce the ammount of loosing that much, and thus they see it as a good card,
saying they get electrum more easily/faster.
It is true that you have to grind a lot, to get the (upped) cards you want, to build and customize your deck without limits.
For most people (at least for me, and probably a lot of 'regular' players) who can build like 1 or 2 decks with the upped cards they have,
would really like to tryout some other deck idea's that I can't due the lack of
This said, I would probably be in the middle of it,
- I do like the idea of getting more electrum faster
- I dislike the idea of getting useless cards, in cases where 'that permafrost would've kept you alive'
Well, I hope you can use my opinion.