I don't think the bank is a good analogy, you get a benefit out of using their infrastructure which isnt represented in your example.
It's more like someone running a makerspace, you can come use all the machinery they've put in and produce whatever you want (within some rules of the owner) even in collaboration with others. But they've put a clause in the contract that they get a copy of everything you produce there.
In the end you're getting the benefit of using their machinery and space to collaborate and they're getting a copy of your content. You can either decide that deal is worth it or start your own space.
Sometimes my pc gets confused on which sound output it's supposed to use. Have you tried alt-tabbing out of the game on your pc and setting the sound output to the steam link?