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From the moment the electronic banking systems could immediately check your balance overdraft fees have been a scam.

youtube.com/watch?v=IBCrm5N7uR

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We come here in search of a place to express our thoughts outside of the direct control and surveillance of unaccountable, mega-corporations. There is no common theme that binds us other than these being the bonds we've chosen rather than those that have been chosen for us.