Clarification of the rule: Necessities permit the prohibited?

The Shaykh : Therefore — may Allah bless you — Abu Ibrahim, pay attention to this rule: Necessities permit the prohibited. Where is its place? It is where a Muslim is exposed to death. In that case, the necessity makes it permissible. For example, during the time of the Messenger (peace and blessings be upon him), a slave — a slave in the sense of a captive — was taken by the owner of a garden while he was eating from its fruits. The owner took him and beat him, then brought him to the Messenger (peace and blessings be upon him). The Messenger asked him: Why did you take and steal? He said: O Messenger of Allah, I was hungry. So the Messenger (peace and blessings be upon him) rebuked the owner, saying to him: You did not feed him when he was hungry, and you did not discipline him properly! . So when this man ate while he was hungry, it was permissible for him because he was exposed to hunger. There is another hadith: ; meaning the garden is an enclosed garden, ; meaning he does not take and carry away, but takes what he needs and leaves. Likewise, if he passes by sheep, let him call out: Owner of the sheep, or shepherd. If he answers, he will give him milk to drink; otherwise, let him milk and drink his fill. In cases of necessity, necessities permit the prohibited. But the necessity is estimated according to its measure. Today, where are the necessities? People use the excuse of necessity to... and we store our money in banks that deal in riba (usury or interest). Where is the necessity? There is no necessity.