I wouldn&#x27;t call it cross-subsidising. It is obvious that the costs to the bank are higher with customers who need to be followed up closely to avoid credit losses. Overdraft charges are a risk avoidance procedure to the banks; none of them are paid to rich customers.<p>(Over here, Finland, overdrafting is not really possible; you need to make a loan agreement to be allowed a negative bank balance, and that is not offered if the credit rating is not clean. Is that better or worse for poor customers?)