In reply to facepalmfrank.

I haven't paid banks anything, not a penny, outside of my mortgage (ok, I got a modest car note but only because it was a sweet deal on the vehicle) and I get ~$600/yr in cash back from my credit card...but I do sometimes lose sight that international or underbanked don't always have such consumer friendly products available to them.

Good chat! We obviously don't agree on many points but I like a reasoned and above-board debate.