Bank officers: pickpockets that are computer literate

     There are various costs to doing business.  In my piano tuning business there has been one cost that I have never experienced.  I have never had to write off or even received a bad check.  My customers are the best.  this is actually the norm in this industry.  I guess it has something to do with the type of folks that own and take care of their pianos.
      Some other costs would be things I am not good at or things where my time is better spent elsewhere like accounting.  I use quickbooks and I can do many things like reconciling bank statements but I occasionally employ an accountant to deal with problems that I need someone with better skills. 
     Anyone who is in business has to use a bank and today most find that bank fees are a significant cost. Some are hard to avoid and some are scams set up by banks to extract money from their customers.  One common scheme is to drive an account in the negative with fees and then bounce everything that comes in after that event until the account can be made positive.  Citibank is a master at this but all banks seem to do it.  If there were an alternative Citibank would have no customers but I have concluded like other customers that one bank is like another in this regard.
     If I had access to customers money like Citibank does I could never treat my customers this way no matter what the profits were.  Bank fees are not even profits to a bank but free money as a bank does nothing to earn the money.