I do think bank fees are too high. That being said, it is not the fault of the bank when someone does not keep track of their finances. If a person spends the $5 to get a box of checkbook registers, and USES THEM, they'd never go in the red. We live in a lazy society. When we screw up, it's always someone else's fault. Part of being financially sound is being financially responsible- and that includes accounting for every penny you spend.
I agree. That being said, when any system evokes a penalty that is above and beyond reasonable such as a $29 fee for a $1 overdraft or programatically manipulates the data to acheive the maximum hit the customer service needs to come into question. The articles show that these are not isolated cases but a pattern of intent. If any business does not put quality customer service as #1 priority why would people want to entrust their money to them?