Madam Speaker, I did not touch on that but I should have. My former colleague, Judy Wasylycia-Leis, did a lot of work on this on payday loans, and this is a good example. Even if people have a government cheque that is guaranteed, they can get be gouged for cashing it, yet there really is no risk whatsoever. Many banks moved away from cashing cheques without exponential fees, or they opened the system to have payday loans come in. That is a loss for the most vulnerable, often the most poor, and also for people who need money at a very delicate time in their lives for one reason or another.
That is taking money out of small and medium-sized businesses and taking money out of rent. It is making food, health care costs and all those different things rise. That is a really important notion of all of this. Also, if people have $3,000 in their bank account, they do not pay any fees. However, if they do not have that $3,000, they pay more fees. That is wrong.