[323]

You consider getting your money back from a bank deposit a freebie?

You expect every person on the street to be an financial auditing expert and to read theirs bank's statements?

[rhcom2]

If you're a company's CFO putting half a billion in a bank I would definitely expect that.

[323]

You could argue for a 3% haircut "stupid tax" for such a CFO's account. But what would be the downstream implications? Money would move to big banks, making them even bigger.