There are muslims who don't do ASB and just let their EPF stay there because you don't have much choice in that. Criticizing anyone doesn't help, if you know the right way and want to help then go and teach them the right way.

I've looked at Maybank Gold Savings Account and from what I can tell there's nothing haram with that since it allows you to keep/withdraw physical gold bullion. Can't say much about other banks though.