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Anyone who runs a business knows you can't just apply your overhead costs to one part of it but not another. If I have to pay the energy bill, that applies whether or not I had the gas on.

You're trying to handwave your way into saying we should care only about the specific cost of one specific bank function, which is silly.

Interbank transactions cost money for the same reason every other service costs money, because you're paying a business to do something for you. Climb off the soapbox and enter reality.



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