They have a captive audience. They literally only have to provide a rate that's roughly equivalent to the usurious "last chance currency exchange" counters at

They have a captive audience. They literally only have to provide a rate that's roughly equivalent to the usurious "last chance currency exchange" counters at the airports. Heck, since probably no one is paying attention that closely to their statements, they could provide even less favorable rates, and simply issue refunds to anyone that actually notices and complains, and still make more money that way.