Some issues are a simple matter of right and wrong. Defined by whom? Defined by me. Or defined by you.
Someone has to know right from wrong and it's pretty certain that the Bank of Ali-Baba doesn't know the difference. The Bank of Ali-Baba charges five dollars to cash a check drawn on their own bank For now, this only happpens if you present their check to one of their own tellers.
For most of us this kind of thing is an annoyance. It happens rarely, and when it does, it's not the end of the world.
One day, I was standing in the non-account-holders line at Bank of Ali-Baba. I was already annoyed because I knew they were going to deduct that five bucks from the face amount of the check I was going to present. I knew the check was good if I cashed it that day. I was concerned that it might not be good if I deposited it and waited for it to clear. That would allow my own bank to charge me $30.00 for telling me it was a bad check.
While I was waiting, ahead of me in line was a teenaged kid with a check for 20 dollars. It was money he had earned cutting lawns or something. He needed the money to buy gas for his car.
And I watched the Bank of Ali-Baba take one fourth of his paycheck for the privilege of redeeming their own paper. He was disappointed. I was damned angry.
I could write my congressman - but the banking industry got to him first. And for too many members of congress, "right" is anything that adds to their campaign funding, and "wrong" is anything that requires effort and doesn't include a payoff.
In any case, I don't want a law telling the Bank of Ali-Baba what they can charge for cashing their own checks. There are probably a dozen other sleazy practices that would bother me just as much if I knew about them. You can't legislate right and wrong.
I don't want another law, I want the Bank of Ali-Baba to either change their ways and do right - or go out of business. And that's not something that will happen through politics or through legislation.