Yes, I understand that, since obviously they're two separate entities. Often banks themselves have a fee, which they waive. Then they reimburse the fee the other party charged.

that's true, there's no fee withdrawing money at a debit point of sale.

Same here. I have a bank that charged their own fee in addition to whatever the ATm owner charges, so any withdrawal ends up being $8-10.

Sooo, we’ll call me an optimist, I believe people can be, and for the most part ARE better than that.

My concern is that the psychopaths always win. At the top of the companies and countries, we mostly have psychopath leaders. These are people that treat society as a game to be won. To the best of my ability and reasoning, I can’t find a way to avoid that. Socialism, communism, capitalism, etc….

There’s no system they won’t exploit because they all have exploitable holes. Normal people won’t sacrifice what’s needed to be a CEO, because it’s not worth it to them. They value their own life and family more than the power and money. They want enough control to feel like they can run their own life and enough money to eat and sleep. That’s a reasonable life.

But in order to get ahead, you have to want that money and control almost as much as breathing. The system BREEDS psychopaths. They ALL do, because as time goes on, the requirements to get elected or promoted get harder and slimmer and require greater sacrifice. So only the people who care about NOTHING but getting that power will make it through eventually.

….. and I can’t solve that riddle.