🚀 go-pugleaf

In article <1op894dlug579ta3lscglk4evv7c9veoul@4ax.com>,
 Scott in SoCal <scottenaztlan@yahoo.com> wrote:

> Punitive fees are a standard method of training in our society. You
> violate the law while driving your car, you pay a fine. You pay your
> bills late, you get charged a late fee. You fail to properly manage
> your checking account and bounce a payment, you pay an NSF fee. For
> most people this is a learning experience: a little bit of pain
> teaches them to pay more attention and they at least TRY not to do it
> again. 
> 
> So basically what you call "fucking people over" is actually a
> valuable educational experience, one which I approve of 100%.


You are simply wrong.  The "NSF" fees of today are not the NSF fees of 
20 years ago.   They are a carefully engineered series of tripwires 
designed to extract the maximum amount of money possible.   

That is why banks shuffle incoming transactions so that the biggest ones 
hits first: it increases the likelihood that if there will be NSF, that 
they can generate a bunch of them based on little overages instead of 
one bigger one.   That's why a bank will process a debit the day it's 
recieved (but only at the end of the day so it can shuffle the deck), 
but hold your deposit for the max allowable by law. 

That's why at least 4 people reading this message have overdraft 
protection and don't know  about it and at least one of them will 
develope alopecia trying to get it removed.

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