"Except that would entail prices non-text services go down proportionately as texting gets more popular" Things like this sometimes only work in one direction

"Except that would entail prices non-text services go down proportionately as texting gets more popular" Things like this sometimes only work in one direction in businesses which have locked in customers and depending on their competition and what they do. Now a bank that all the sudden loses income in one area will try and make it up in other areas (as was shown recently) by increasing costs. But a bank which makes extra money in an area won't (unless they have to for competitive reasons) lower the costs of their other services. They will keep that money and report more profit! Because it's not that easy to switch your banking arrangement. It's not like buying a Western digital hard drive instead of a Seagate. So this has to do with competition as well as the ease of someone switching their provider or vendor. And exactly how much competition they have or what their competitors are doing and what they are charging. Every situation is of course different.