Not really...it depends on how it's implemented. I don't pay a minimum account fee because I have enough money. Who does? The poor. If they decide to increase credit card rates, I don't pay credit card interest. Who does? The poor. If they decide to reduce savings interest...I utilize a service called "Max My Interest" where my savings account money is rotated every month to a different bank depending on who has the high interest rate. If the bank tries to reduce interest payments...doesn't impact me. It impacts those who aren't financially savvy.