In fact, we're seeing the reverse. The more money you have, the more transactions you have and the less it will cost you.
I'd like to correct one thing. Based on what Mr. Protti said, the perception of the banking system has changed a great deal in the past few years. That's quite true. However, this change in the banking system is not the choice of the consumer. I want to point that out.
ATMs have become well established, which serves consumers in terms of accessibility; that much is true. In terms of fees, that's a whole other matter. ATMs also serve the banks who rationalized their operations by closing branches just about everywhere.
Your suggestion is probably a good one, but we need to ask our friends the bankers how they plan to do such a thing. Right now, we're really seeing the reverse situation.