Payment fees are high and plentiful because banks are a state-maintained cartel everywhere. For example, it's outrageous that they charge us something like $30

Payment fees are high and plentiful because banks are a state-maintained cartel everywhere. For example, it's outrageous that they charge us something like $30 - $60 for a wire transfer, but that's what happens when they can charge just about whatever the fuck they want, because there is no competition!