After reflecting on it the whole concept of a bank is a little unnerving. Yes, I'm going to pay you to hold onto my money, surely this is a good idea. How'd this all get started to begin with and why'd we ever go along with it?
Security was probably the biggest factor, and it's essentially what you're paying for. You can keep all your money in your home in a shoe (or, if you're wealthy, in a silk slipper) or you can keep it in a bank vault. In that sense, bank fees don't bother me too much.
Problem is that a lot of banks began charging fees for anything they could think of. The bank I alluded to earlier is one of the worst I've seen in my area, along with Wells Fargo. My bank isn't bad at all: I pay $1 a month, and that's it. But when I see statements from some of the banks in this country... well, I truly wonder how the owner of the bank can sleep at night (aside from "on top of a golden mattress stuffed with $100 bills).
