I always thought the rage against the oil companies and walmart was just crap, considering they made only about 5% profit while providing a profit, but so much anger towards them, but little to nothing about the banks, that make around a 20% profit margin. Yes they do offer a "product" but not really. Consider that they are still making considerable profits in this economy, yet when they screw up being greedy, they turn right around and get the government to bail them out. Credit card companies are the worse, as they are banks as well, as they get a loan for 3%, now much of that is from the bailout which is OUR money, then they loan it back to us for tripple if not more the interest, pure profit unless the account goes in default. They work with the government to get the interest rates they can charge. Why are they allowed to make a 30% interest rate? If you are late the charge is $39 with chase, higher with some, and that is sheer profit. I heard about how banks made about 40billion last year in overdraft fees. Overlimit fees too. My girlfriend a couple years ago made the mistake of getting a credit card and her ex husband ran up the balance to $3500, which after a child they could not pay, and in three years they have turned that $3500 into near $8,000. You know, if the average person was to do this, we would be called loan sharks. Her parents offered to pay the $3500 but the bank refused to take it, saying those interest and late fees were rightfully theirs. I am tired of people defending banks and "the right to make a profit". It makes me hate republicans as they always defend money-makers. The republicans just want to make more money for those who already have it, the democrats want to just give everyone's money to those who don't even try to earn it. What is the guy in the middle who is trying to work to get something to do? Then they wonder why I didn't vote Obama or McCain last time, and why I hate both parties. I'm just a blue collar working man with a morgage, soon to be wife and her kids to be my own. Interest on my credit cards went up recently, not because I did anything wrong. I called and asked why and basically got it out of the "represenative" that because so many people are defaulting even those with good credit aren't so good... that basically I am expected to pay because of those who won't pay. CC companies just went lib-tard. I am so close to not giving them any more payments. I think they banks should be extremely limited as to what they can charge for overdraft payments and interest rates.