> Wait, so which one is it? They want customers they can extract usurious and otherwise abusive fees from. They don't want the subset of those that will fight

> Wait, so which one is it? They want customers they can extract usurious and otherwise abusive fees from. They don't want the subset of those that will fight back against said abuse, which is what they use ChexSystems for. The latter also randomly hits some people from the (rest of the) former group, but not enough of them to impact the bank's finances.