I want to add that in Canada we very much have a user-pay situation, where those people who use the banks' products and services pay for them. Compared to another country where they may not charge for a particular service, the cost of offering it is added on to the cost of other services. So some of your lower-income people may be subsidizing what other people are actually using. In Canada the user pays, so what you use is what you pay for, and that's all. There are low-fee accounts offered where ATM transactions are included for fees as low as $4 a month. So it's certainly affordable for most people.
On February 15th, 2007. See this statement in context.