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I've known some excellent programmers
Do you CS=programming?
Imagine the situation in the large and restless cities of Asia, Africa and LatAm.
Some of the facilities that they lack are - Access to banking, good sanitation and housing etc.
It's about banks charging fees to their customers - who happen to be mass enrolled daily wage employees - with the connivance or at least knowledge of their employers.
Banks should introduce a zero balance, no frills (and no charges) category for these accounts.
It isn't about unions. Should it be about class action?