They could, but, yes, it's too profitable to charge extra margin to unsophisticated customers. Maybe one day. Banks probably charge a lot less to those moving

They could, but, yes, it's too profitable to charge extra margin to unsophisticated customers. Maybe one day. Banks probably charge a lot less to those moving hundreds of millions around. But the people/businesses occasionally moving around $1000-$1m have been getting shafted for an eternity.