Financial regulators are turds

What happens now:
Coffee, donut, and tank of gas: $40
Overdraft fees: $105
Getting shafted by your financial institution: priceless

Oh, but we're getting bold now that banks are making $27 billion a year on the Card Game. With growing bank abuse of overdraft fees:

"regulators plan to introduce new protections before year’s end. The proposals do not seek to ban overdraft fees altogether. Rather, regulators and lawmakers say they hope to curb abuses and make the fees more fair."

Fair? Banks are reordering transaction postings to maximize overdraft fees. No shit!

But let's not be hasty and ban these wankers (after all, they do put up $37 million in campaign contributions in 2008 alone - thanks opensecrets.org).

So here's your compromise regulation: "a bank shall deny all transactions that cause a customer's account to be overdrawn without the express consent of the customer for each transaction, with the customer being informed of the cost of the fees at the time of consent."

Seem hard? We have cell phones. Call me. Give me a chance to tell you what I think of that overdraft fee at the time of charge. And stop fucking with my check register.