Banks in the United States are charging excessive fees. (ATM fees; Overdraft fees for checks and debit cards). This is directly taking spending money away from poor, working class, and middle class Americans and contributing to our economic collapse. It is also redistributing income from the poor to the rich (the reverse Robin Hood effect) that began in the 1980s with Reaganomics and trickle down economics. Banks have become legal loan sharks. The excessive fees they are now charging need to be reduced dramatically and capped.