Interesting. I thought banks made it difficult to transfer money because: 1) The longer a bank possesses your money the more money they make loaning it to oth

Interesting. I thought banks made it difficult to transfer money because: 1) The longer a bank possesses your money the more money they make loaning it to other people and 2) when a bank has your money, they've got you over a barrel so you're willing to pay a fee to get it back (see ATM fees, check fees and myriad other "ransom" fees regularly levied on customers)