[JTyQZSnP3cQGa8B]

It’s a bad rebuttal because you’re paying for the phone, and the bank pays for their office with what they gain from credits, stock market stuff…

If the bank had no office it wouldn’t be cheaper.

[echoangle]

At least in germany, there are both traditional banks with offices and online-only banks and one of the reasons given for the fact that traditional banks have worse conditions (less interest, sometimes monthly charges for even having an account etc.) is that they hvae to pay the offices somehow.