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Can't say I'm familiar with the topic at hand but I hate all the freakin bank fees.
As far as ATM fees go for the convenience of quick cash I see it like this, I put the cash in my bank account, the bank loans out my cash and collects interest on it, I go to another banks ATM and I get charged to get my own cash? Sure I went to another bank other than my own but that bank already makes its profits and does business with my bank which in turn makes money off my money so why should I get charged by either bank and if such ATM usage really affects their costs I surely don't believe it costs them as much as they charge me and more to the point they wouldn't be making any money if people didn't give them money to lend out and collect interest on.
Banks suck!
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