True, hard for bank deposits where the user sees both ends of the transaction. For bill payments though, they'd just insist on taking 30% of your electric bill

True, hard for bank deposits where the user sees both ends of the transaction. For bill payments though, they'd just insist on taking 30% of your electric bill payment and if the electric company's margins aren't high enough to absorb that then "Haha that sounds like a you problem" - Tim Cook, probably