> Is there something preventing them from visiting the bank manager? Yes. Time. Poor people don’t have time to argue with every company that nickel and dimes t

> Is there something preventing them from visiting the bank manager? Yes. Time. Poor people don’t have time to argue with every company that nickel and dimes them. Most people are working during bank hours. They’re working multiple jobs so they can keep the lights on. A $35 overdraft fee hurts but it’s not enough to sacrifice a shift where you are guaranteed to make $70 for the possibility of getting $35 back (which is by no means guaranteed since they signed a contract that says the bank can take $35 from them). $35 is a very strategic number, isn’t it? It’s just enough to maximize profits but not quite enough to get most people to navigate customer service, which is likely going to go nowhere.