Key Chain

For some reason, people in America carry a lot of keys. I carry keys that are only necessary; home door, entrance, post, elevator, post and car. Indeed, it takes a lot of space in pocket. I had only two keys in my pocket when I lived in Japan (one for bicycle and one for entrance and home door). Post was secret code and elevator needs not key because security is good.

Staring at the key chain today, I felt same logic applies to bank account. I can not eliminate the thoughts that one bank account can serve most of our daily needs.
When I log onto my Bank of America online banking, there are 3 accounts; checking, saving and credit. It must be disasterous if I create credit card with another issuer:( 3 different accounts, e-Saving account, loan account, am I missing anything?... I wonder creating three account for three purposes make bankers' life easier.
So, how does bank account work in Japan? Simple. I had only saving account and credit card was connected to the account. So, saving account did all three functions. Saving account is of course, interest bearing. If you want higher interest rate, you open CD.
Perhaps it is good to achieve marketing goal with 3 accounts per person approach, but I strongly believe American banks can pick up much more efficiencies and productivity by trying to streamline business operation. (Not by being stingy and hire cheap labors.)
As a banker, my key chain and bank account seem to have correlation. I am a little bit sick this week so my thinking may not be straight forward, but over all argument stands. If I work for retail banking now, consolidation of accounts seems to be an initiative to reduce cost by significant margin...