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If you haven't seen it, look up the Last Week Tonight on municipal violations and prepare to get angry.

However there are a few things that are more explainable than others; check cashing places exist because banks are not designed for the poor at all. Thankfully this is, I think, going to change in the next few years what with all the startups cropping up to offer financial services to lower income people, since most of the shit the banks charge fees for is because they rely on antiquated processes and management that can be automated.




In my experience banks don't charge fees for efficiency reasons, they charge fees because they can.


Yup. Otherwise they wouldn't be adding new fees to accounts that have been open for decades.




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