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I get frustrated by fees, fines, etc., but the thing that makes me uneasy about their system is the leveraged nature of the whole thing. Don't get me wrong, I know that in some way, it has to be done, but I think they are overstretched. I'm clearly no economist, but the idea that my bank can lend out like $15 for every $1 it has in deposits seems strange to me. I feel like it is an inflationary worm that just keeps crawling out of control. It doesn't sit well with me that they can earn interest on such a huge multiple of money they don't actually have.They are providing a service and should be paid accordingly.