The way I see it is, yes, I'd say it's a common right, but a lot of it has to do with the fact that it's just the way the banking system is set up. We don't have branches on every corner; we have ATMs on every corner. The banks save a lot of money by choosing to go the route of ATMs over paying for rent, paying for employees to fill those banks.
So this is the way the banks have chosen to set up their system. It does have a certain level of convenience to the consumer, but it also has a certain level of money-saving convenience to the banks. The interesting thing is that the banks have been withdrawing that service, and as I said, a lot of the people I've spoken to feel that those services are being withdrawn in the low-income communities.
So all of a sudden I find that I have people saying, “I don't have a car. I don't have a way of going three kilometres or whatever to my bank, and I'm forced to pay high service fees, which don't reflect anywhere near the cost of administration”--and that's the large concern.