At the risk of only being tangentially on topic, I want to recount a story about how sleazy financial institutions will be with their fees if given the opportun

At the risk of only being tangentially on topic, I want to recount a story about how sleazy financial institutions will be with their fees if given the opportunity. This happened to me with Fifth Third Bank; I knew it was sketchy as hell and it infuriated me at the time. On several occasions I would overdraw my debit account, notice the issue and deposit money, and then continue to make purchases with the newly available funds. Despite having sufficient funds, at the end of each day, Fifth Third Bank would reorder the day's transactions to maximize the overdraft penalties, as if all of them had been settled while overdrawn. Their customer support team would pretend this was actually beneficial to customers and launch into a nonsensical explanation where one of the terms involved was, literally, "the matrix." So you'd be sitting on the phone in disbelief as they talked about "the matrix." Anyway, there was eventually a class action lawsuit over it. Ever since then, my inclination is to regulate the hell out of these sleazy institutions. They clearly can't be trusted to act in good faith.