The amount of banking suckage is very dependent on what country you live and bank in (I say this from experience of living in the UK and the US). I'd be really

The amount of banking suckage is very dependent on what country you live and bank in (I say this from experience of living in the UK and the US). I'd be really interested to know how much of the variance is due to local laws, and how much is just "this is the way we've always done things here".