If each fisherman is willing to pay some trivial amount say $3 each year for some service that they find significant value out of than they are happy. Finance

If each fisherman is willing to pay some trivial amount say $3 each year for some service that they find significant value out of than they are happy. Finance seems to often behave like programming where they do it at scale. When there are 12.3 million fisherman you could argue that the fisherman are indeed being conned into paying for overpriced financial services. But then you get into a question of value. Perhaps it is actually worth $300/year to each fisherman for this service and that is where it started and was only driven down to $3 by competition (and yet still very profitable as it only actually costs say 30cents on average)