Market-dominant banks still extract hefty fees on debit- and credit-card transactions from merchants, who are forced to pay a multiple of what a truly competitive market would bear. These are, quite simply, taxes, with the revenues enriching private coffers rather than serving public purposes.
同样，一些掠夺性和歧视性的贷款以及信用卡滥用行为都受到了抑制；但同样的剥削行为依然存在。那些打小工的穷人依然常常遭到发薪日高利贷的盘剥。大银行照旧对商户的借记卡和信用卡交易收取高昂费用，比在一个真正自由竞争市场应当支付的高上数倍。简而言之，这些“税”和收益都肥了私人金库，并未服务于公共目的。