well, right now, if you go to a bank (in US/CA), you have to choose between a few plans (if you will) based on transactions and usage and you get charged based

well, right now, if you go to a bank (in US/CA), you have to choose between a few plans (if you will) based on transactions and usage and you get charged based on those plans. However...your usage is generally changes and so should your plan. (for example, i personally have a lot of transactions happening in April/May) and then it generally drops to a few every month and to avoid paying those transaction charges I have to always hold around $5000 base balance. While this might not be an issue for me (I have a comfortable income where the $5k does not affect me as much, and my spending habits are not excessive either), there are a lot of people for whom, 5k (or even the $1k/m min amount is a lot) and these people who need money the most, usually fare the worst. I find that unfair (similar to buying in bulk).