[fredkbloggs]

> Ah, so if every bank gives a 1000 page boilerplate "contract", and they all entail usurious fees, it's just the person's problem because they should have known?

Yes. If someone hands me a 1000-page contract and asks me to sign it, I'm walking out the door. As any sane person would.

> All the banks are acting in a cartel with these.

Well, (a) numerous posters (who otherwise agree with you) seem to disagree on this point and have offered both specific and general recommendations for banks that perhaps are not. And (b), if that's true, you should open your own bank. If you can't, then you should go look into why you can't, because the barriers to entry in this space are 100% artificial; that is, they are creations of the government. Not the market.

> Banking should be boring, simple, and hassle free. Contracts should be simple and readable, and not filled with dense legalese and caveats that say "tl;dr: we can change anything we like whenever we like. oh and we post it underneath a rock".

I agree 100%. I look forward to opening an account at your bank.