Exactly. What's worse is that it's almost justifiable if you consider how a bank makes money: float. If a huge swath of your account holders are maintaining as close to a $0 balance as possible, they're costing you money to manage all the related overhead. I say "almost" because if they, oh I don't know, made savings accounts attractive for small timers (say 4% interest on balances below $200), it might not require a collections department to gather forcibly extracted fictitious income.