Why are people so fanatical about keeping such an "Oh YEAH, Please Fuck Me Over!" system in place? I don't think they'd so readily accept it in other industries, would they? How much screaming in town halls would go on to defend this scenario:
"Welcome to Bank of America, how can I help you?"
"Hi. I'd like to withdraw $1000 from my savings account."
"Okay, great! Lemme type in your account number..."
"Sure."
"Ohoh."
"What?"
"Well, it looks like all you have in this account is pre-existing money."
"So?"
"So we can't give that money to you."
"Really?"
"Sorry. No can do."
"What do I hafta do to get my $1000?"
"Well, you can give me another $1000 right now so I can give $1000 to you, then pay our processing fee of $9000."
"But -"
"And then another $1000 penalty for wanting to withdraw the original $1000."
"I see."
"To be honest sir, we might just drop you from our bank altogether; you can just carry around all your money in the future and hope nothing happens to it."
(Head in hands, sobbing)
I don't think this would go over well with people. But hey. People are funny, what can you say. Hey look, it's Mickey Mouse.
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