Why can't I give a user full access minus seeing bank accounts and balance sheet?

Good to see you here in the Community, joe-haug.

I know how important it is to have control over your users in QuickBooks Online, However, giving full access without seeing the bank accounts and balance sheet is unavailable.

While this isn't available, I'd suggest submitting feedback within your QuickBooks Online (QBO) account. This way, it goes to our product developers to help improve your experience while utilizing the program. Here's how. 

1. Go to the Gear icon at the upper right and select Feedback under Profile.
2. Enter your comments or product suggestions. You can also attach a screenshot or file to combine them all.
3. Click Next.
   
4. You'll be provided a list of suggested help articles related to your comments. You can read through them or choose Skip and send message.
5. Select the appropriate category from the drop-down menu.
6. Tap Send message.

To learn what a standard and other users can and can't do. Here's a detailed look at the different levels of access in QuickBooks Online:

User roles and access rights in QuickBooks Online.

Add, delete, or change user access.

It'll be always my pleasure to help if you have any other QuickBooks concerns. Just keep me posted in the comment section down below and I'll be sure to get back to you. Have a nice day, joe-haug!