[teeja]

Well said.

About a year ago I walked into "my" bank (hah!) and a guy pulled me over to his desk and "invited" me to sign a form (he said was mandatory) accepting or rejecting a $35 "overdraft insurance" fee. I "invited" him to check his computer and see how many overdrafts I'd had in the past 10 years ... and that my "insurance" was keeping my checkbook balanced.

Not sure what game was afoot there, but I'd bet that some of the people who were treated to that strong-arm tactic resigned themselves to paying that monthly graft. Vampire squid indeed.