We have had multiple banks charge us with fees for no reason (I've done my research, it's not that I didn't read the fine print). We've also had unauthorized people use our account, which we never traced and our bank at the time didn't do anything about it.
Plus, I do not like the hassle. For example, we took a $25 check in on Saturday to cash and they held it because it was an out of state check. We then had to borrow money from friends just to buy diapers for my son. It becomes more and more infuriating the more I have to deal with them.
About the worry of someone breaking in, I keep my apartment locked up tight. I have a child to protect so I have everything there under control.
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