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NoSoup,
I think I have passed my threadjacking quota for this month. Let's just say we agree to disagree and maybe we'll take this up another time. Suffice it to say I think you are very wrong.
But I will say that although 'stealing' is an emotionally charged, inappropriate word for what the banks do with insufficient funds fees, 'exploit' is a perfectly appropriate word to use. I had an experience with my bank a couple of years ago which makes this plain. And that's not whining. It was corroborated by my bank (a large, popular, national bank) - they did what they could to remove the most amount of money possible out of my bank account and into theirs and they admitted it. It may not have been stealing, per se, but it wasn't ethical, either.
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Most people go through life dreading they'll have a traumatic experience. Freaks were born with their trauma. They've already passed their test in life. They're aristocrats. - Diane Arbus
PESSIMISM, n. A philosophy forced upon the convictions of the observer by the disheartening prevalence of the optimist with his scarecrow hope and his unsightly smile. - Ambrose Bierce
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