Do you remember the Cosby show where he was a doctor? His son's best friend's father owned a junk yard, and his son was dropping out of school to go work there.
Dad did a math lesson, step by step, of what it costs to live VS how little he'd make. But the real kicker was when the kid explained he didn't even need to learn math. The example the dad used was by stealing his money via a quick scam. If the kid didn't know math, and watch out, he'd be fucked. Simply part of life.
No Beep, I don't claim that the vast majority of people out there aren't lazy, stupid, and trying to get something for nothing, which in turns opens them up to this level of manipulation. Like little kids wandering the neighborhood, looking for a free swim in a neighbor's pool. And the neighbor doesn't have a fence. And the neighbor has big signs, saying, C'mon, swim here.
The pool is cool. It feels good. Is has a great deep end. The really good swimmers don't have to worry. But there's only a few really good swimmers, the rest suck. Their parents didn't teach them to swim, a key life skill. It wasn't part of their culture.
The pool is a deadly attractive nuisance in this case. Just like the framework of rules or lack of rules concerning the credit card issue. Except CC companies then used this framework to extract the maximum amount of cash it could from this group of people.
Why are you unable to see the huge difference of the balance of power on the CC side VS the checking account fee (and any other fee related to cash you already have and can move at will, VS cash you owe someone else (and the fact the the entire industry at that exact moment would be putting the squeeze on you)).
That's my point. If you can see it, and simply don't care, ok. Then there is no point to continue this, since that is a personal choice. But if you can't see it, then, why? What the hell is wrong with you?
Ok, so they aren't kids, and they "should know better". But they are sheeple. You know this. So then the question becomes, are they worth protecting? And at what cost?