I got a bank account and a bank (debit) card when I was attenting university: it was compulsory so that the state can send our stipendium with bank transfer rather than cash. What's more, our university made a contract with a single bank for this.

One year, looking at my account traffic report, I was surprised to discover transfer fees subtracted from my stipendium. I went to the bank to complain. I thought I'll need to fume at them about how they dare to take money from me that's mine, given that they are under contract with my university not me. However, the clerk just said no problem, the bank will give back the money if I fill out a form. (Which they did).

I immediately realised the scam they were running: they pay it back only to those who bothered to look at their account traffic reports and then bothered to go to their bank and complain, and kept the money of all the losers who didn't.

_{*Lunatic*, n.
One whose delusions are out of fashion.}