No, the point is the profit margin on all customers should be approximately the same; if any group is cross-subsidizing any other group then something's probably screwy.

Lol the banks will find away to keep charging for overdrafts and screw both types of customer - just like they did over the reduction in merchant charges I lost £20 a month but the merchants just pocketed the reduced charges as a bonus and did not pass it on to customers.

False dichotomy? Although if I had to choose (and speaking as someone who has never paid an overdraft fee), then yes, because it would be way less regressive than the current arrangement.