defaults rates are high...
The banks literally gave away credit cards and the credit, with very little or no regard to the viability of the "investment"

So they have to recover those loses....where, those who are viable "investments"

Anyone else who wildly distributes there money around, even with far less disregard have to right the bad debit off...

Why should banks have the privileged position to recover losses from the rest of their stable and reliable customers, directly or in directly with profit taking from excessive, mortgage break fees, excessive OD of business, etc etc.

Like most here, we are basically debit free or are reliable bank customers, yet each one of use is being penalised and being 'charged ' for others bad debits

As an side note...We have a crazy situation, our private secured OD facilities are now getting close to 2% below our mortgauge...If it wasnt for the break fee (under $9000) it would be worthwhile to use the OD to pay off the mortgage..thats crazy.