Librarian explains taxes

[one...two...tree 2,762]

an unfair fee would be one you are unaware of.

By that logic, you'd accept being sentenced to death for being caught stealing as long as you knew the consequences in advance.

[B_J 2,752]

By that logic, you'd accept being sentenced to death for being caught stealing as long as you knew the consequences in advance.

I think I'd just make sure I didn't steal anything.

[rika60607 215]

Banks change the rules all the time.

They do not even have to inform you - it is enough if they hang a notice somewhere in the bank (at least that was the case last time I shopped for a bank), and how often do you go to a branch and read what's on the walls?

Then once the fee structure has changed and been imposed on you, you are left with a choice - stay or go spend time and effort shopping for another bank.

an unfair fee would be one you are unaware of.

If you're readily aware of a fee the moment you sign your banking contract, then there's no room for you to gripe about it.

On top of that, most banks are pretty lenient and will give you a one-time waiver if you've always kept your account in good standing.

Apparently you have never been set up. You know how easy it is? I go grocery shopping with you and slip a couple of cherries into a pocket of your coat. You do not pay since you don't know you have them. Bingo. You stole.

I think I'd just make sure I didn't steal anything.

[Obama 2012 1,714]

Banks change the rules all the time.

They do not even have to inform you - it is enough if they hang a notice somewhere in the bank (at least that was the case last time I shopped for a bank), and how often do you go to a branch and read what's on the walls?

Then once the fee structure has changed and been imposed on you, you are left with a choice - stay or go spend time and effort shopping for another bank.

Exactly. You have the ability to shop around for another bank that would actually like to have your business on terms that you feel are more fitting.

[Zero Sum 305]

By that logic, you'd accept being sentenced to death for being caught stealing as long as you knew the consequences in advance.

I probably wouldn't get caught stealing, IF I was going to steal something.

[rika60607 215]

I do! But I do not have the ability to send them my counter-change of the rules and regulations, do I? So they are clearly in charge and they feel they should be able to change conditions at any time, and not even necessarily inform me.

Exactly. You have the ability to shop around for another bank that would actually like to have your business on terms that you feel are more fitting.

[ready4ONE 5,400]

Exactly. You have the ability to shop around for another bank that would actually like to have your business on terms that you feel are more fitting.

And citizens have a right to point out government policies which give to the rich on the backs of the poor.

[Obama 2012 1,714]

I do! But I do not have the ability to send them my counter-change of the rules and regulations, do I? So they are clearly in charge and they feel they should be able to change conditions at any time, and not even necessarily inform me.

Every bank I have seen has sent out policy mailings whenever they change them. Perhaps you should look for a new financial institution...

And citizens have a right to point out government policies which give to the rich on the backs of the poor.

Which she wasn't doing here as I pointed out. Of course, I'm sure you per usual ignored that part.

[B_J 2,752]

Apparently you have never been set up. You know how easy it is? I go grocery shopping with you and slip a couple of cherries into a pocket of your coat. You do not pay since you don't know you have them. Bingo. You stole.

Why would you do that?

[Zero Sum 305]

She's an idiot for what exactly? It seems she wishes to do something positive for her community. Some people I guess are to fcking selfish to give a care.

[rika60607 215]

Oh, I do not know - may be I find it funny. Or may be I do not like your looks. Or may be you used to date my sister. Whatever, when punishment does not fit the crime, saying "I would never do it, therefore I do not care" is shortsighted.

Why would you do that?

[rika60607 215]

I surely do, they are evil. But I am sorry I think I lost the track of our argument here.

I think it had something to do with you saying that it's poor folks fault for being charged fees by the banks, because they knew what they signed for when they opened a bank account.

Every bank I have seen has sent out policy mailings whenever they change them. Perhaps you should look for a new financial institution...

[B_J 2,752]

Oh, I do not know - may be I find it funny. Or may be I do not like your looks. Or may be you used to date my sister. Whatever, when punishment does not fit the crime, saying "I would never do it, therefore I do not care" is shortsighted.

I didn't say I didn't care... I was saying that if the punishment is that severe then I'll make sure I don't commit the crime.

Now I'm going to have to keep looking over my shoulder every time I go shopping. Thanks for making me paranoid.

[rika60607 215]

Luckily, there is no death penalty for stealing a couple of cherries

I didn't say I didn't care... I was saying that if the punishment is that severe then I'll make sure I don't commit the crime.

Now I'm going to have to keep looking over my shoulder every time I go shopping. Thanks for making me paranoid.

[mawilson 2,133]

Banks change the rules all the time.

They do not even have to inform you

Actually, they do.

Every bank I have seen has sent out policy mailings whenever they change them.

Exactly.