I think a bank should be more complex. If you have all sorts of auto drafts, withdraws, checks, etc. you'll want to make sure you got all of those.
It should absolutely be simpler but I don't mind an extra check for banks where all your money is held.
Services like gyms and Netflix, they don't have any excuse. My life will not be as adversely affected as cancelling a bank account.
To paraphrase Nixon:
"When you're a company, it's not illegal."
To paraphrase Trump:
"When you're a company, they just let you do it."