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the same bankers who simply refuse to enact laws that they don't like (no, really).
Sounds interesting, tell us more. Any idiot can face a crisis - it's day to day living that wears you out.
The same with say, no warnings about transaction fees in ATMs, unlawful penalties for quick repayment of debt and a host of other practices (not to mention a cartel like coordination which is certainly against anti-trust laws, but "surprisingly" the relevant regulators are understaffed and underresourced). The banks' attitude seems to be "we got an army of lawyers - and anyway what are you gonna do about it". The road of excess leads to the palace of wisdom - William Blake
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.
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