Willingly repaying more than principal amount

Question:
I heard that if the borrower gives with his own will, on top of the borrowed amount, that is not considered Riba. However, it becomes Riba when you demand a certain percentage beforehand, which banks, as borrowers give us willingly. Why the difference?

Response:
It's true that if the borrower willingly gives something on top of the principal amount, then that is not riba. However, banks impose an amount on themselves beforehand, which is what riba is. In case a borrower was to give additional amount on promise which he makes beforehand, it is not a case of willful payment. Moreover, banks earn their revenues by forcing other borrowers to pay riba. That makes the entire business of banks unacceptable in the eyes of Shari'ah.

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