Vincent Chan/YouTube Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. Middle-class Americans are tripping and falling into costly financial traps cleverly set by big banks — and they’re getting stuck there while the banks drain their wealth. So says personal finance influencer Vincent Chan, whose YouTube video made a compelling case for how banks use two common financial levers — savings and debt — to benefit their bottom line at the expense of their cus ...