From my limited knowledge of such things, I think it would be possible to set up a credit union where the &quot;common bond&quot; among members is the ability to spot banking practices hostile to banking customers.<p>If all the members know how to spot a scam, it is unlikely that anyone would vote that everyone should try to run one on themselves.<p>Excerpt from the membership application exam:<p><pre><code>      ...
      B) Take the lower rate with the higher monthly payment.
      C) Buy a used car that is about 2 years old instead.

  22. Your bank offers to upgrade your debit card such that, for a fee,
      a transaction that would ordinarily be declined--or a check that
      would have bounced--is instead approved.  How do you react?

      A) Wow, that sounds convenient.  I&#x27;m in.
      B) If I wanted credit, I would have used a credit card.
      C) If I can&#x27;t opt out, I&#x27;m closing my account.

  23. You need $40 in cash.  Your bank does not have any no-fee ATMs
      in the area.

      A) A fee is no big deal.  Withdraw $40 and pay $3.
      B) Withdraw the maximum, to minimize the percentage lost.
      C) Buy a pack of gum with debit and get $40 cashback.
      D) As in C, but also return the gum for a refund.

  24. Your bank offers...</code></pre>