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I don't see it as whining.
When businesses 'take' for the sake of taking like banks do, then there is a reason to grumble. The banks know how much they can take without losing customers because they calculate the cost for the customer to switch (in dollars and in hassle/uncertainty etc...) vs the cost of just paying the fee. In the case of banks they are rich Goliaths who have decided that instead of thinking up new ways to increase profits (like adding value to their businesses), they will instead just take from their users/customers. It's seen as a greedy move and is not appreciated by the customer base, who will remember when the time comes. It is aggravating and there is nothing wrong with venting.
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