Fairness in Islamic Banking?

Can a Moslem who is opposing some and parts of the Islamic Banking/Financing products be branded as apostate?

My argument is that: some of the Islamic Banking products are inherited from conventional banking in term of charges, then changed to some new fancy names. Some of the cost of the products are even higher than that of conventional banking, which claims to be fair and just - but Islamic Banking products are squeezing for bigger and even fatter profits!

What I am saying is that: take for an example, buying and financing a house in Malaysia. Same house if financed through Islamic, will drive the cost higher than that of conventional banking. (Total monthly commitment x 12 x total servicing year). Where is the justice in this?

Same application form format, same rate reference set by Central Bank (name for conventional is Base Lending Rate (BLR) while Islamic took Base Financing Rate (BFR)).

The obedient Moslem who purchased a house, at the end of the loan tenure will have to fork out more than the one who took out conventional loan.

Just a simple thought... But it was once branded as an apostasy for any Muslim for not supporting Islamic product.

But still, I really have big concern about it!