True enough. I remember my mother complaining about those "obscene" fees 25 years ago. This was before they invented this 'overdraft protection' thing, so Dad would (knowingly) write a bad check at the grocery store, which would bounce (twice). He'd get $50 cash today, and pay the bank two $20 fees, and the grocery store one $25 fee plus $50 to cover the check -- and somehow thought that this was perfectly reasonable, since he couldn't get a credit card (bet you can't guess why) and wanted the cash today instead of having to wait until payday. "Only" having to pay a single $20 bank fee instead of three fees totaling $65 would have been a dramatic improvement.