NSF
I managed a minor miracle today. I got a bank to reverse an NSF charge. I realise NSF situations are a pain in the ass, but they are not, nor should they ever be, a $48 pain in the ass, especially not for something that cost less than five dollars. Banks collect billions in fees every year - fees that are largely unnecessary. They make you pay to save your money, and punish you for it also. I am not a person of means, so losing $48 is a monstrous kick in the teeth to me. I'm grateful to the person who helped.