Richard Cordray, head of the newly created Consumer Financial Protection Bureau really wants you to believe that bank overdraft fees are just a money-making scheme for banks. They want you to see yourself as so dense that you don't understand that your financial institution has to compensate for the loss it incurs when you spend money you don't have.
The message is, if you cause chaos in the world, you're not responsible. You were exploited into doing it.
The essential question this election season is: Are we human beings, or are we cattle?
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