This is such a dumb article. The author makes it seem like our hands are tied and we are forced to pay such high fees. No, I'm sorry, those are the fees <i>you</i> have to pay for all those services since <i>you</i> chose all of them in the first place. Consumers have choice and they will pay for the products they desire as they fit in the realm of their--atleast theorectical--budget.