Financial Woes

This economy stinks let's face it. People are out of work, so very few people are spending money, causing businesses to hurt. Without a cash flow in the economy, this country is looking pretty sad. Americans are having a hard time making ends meet. Who is making out in all of this? The banks. Yup, the businesses crying for bailouts are making money on other people's hardships.
After learning about how banks make money, I am absolutely flabbergasted that they would have the gall to charge overdraft fees to customers. All of the money put into bank accounts is essentially a loan to the bank. They can use your money to invest in things, earn interest, and make a ton of money. Now to add to that income, each time you overdraw your account, they charge you somewhere in between $20 and $35. How much sense does this honestly make?
Clearly those individuals who typically overdraw their accounts do not have the money to be throwing away hundreds of dollars on overdraft fees each month. Yet banks still take that money, further overdrawing accounts. I can't see how they need those funds, nor how they justify charging their customers these fees.
If people realized that they have choices in the matter of banking I don't think they would tolerate how banks treat (rather, mistreat) them. And if people were leaving banks because of this mistreatment, banks wouldn't feel nearly as entitled to charge erroneous fees as they do now.
Choices, people, choices. This is one of the fundamental things that the American culture is founded on. Use it to your advantage in banking.