Oh for gods? sake! ???? - You came out with an intentionally provocative and self satisfied post. That is fine but don?t expect to not get a reaction. I reacted by voicing my distaste. I am not, do not consider myself to be and was not trying to be some kind of forum sheriff. I am also not claiming anything from my bank and my financial situation is just fine thank you. Not that it is any of your business but you seem to ascribe some kind of value to it so there you go. I do however have a strongly developed sense of fair play and therefore serious moral objections to the way the banking system operates. (and the legal system, government, most corporate structures, delivery of public services, foreign policy??) Your post made you sound smug. Especially the way you tried to make out how happy you are that everyone else?s misery was paying for your free banking. That is ok but just as you are entitled to your opinion and to voice it, so am I. Although I think I put this all a lot more eloquently the first time. Now I know I should really just let this be as I think we are both flogging a dead horse now but I can?t help myself trying to get one last word in. Petty I know. Well at least we may have provided some entertaining reading. And for those who are actually busy making claims from your banks, I sincerely apologise for hijacking your thread.