patrick.net

Yep, that's how the banks are going to recapitalize themselves. The bailout will ultimately be paid by the ordinary citizen.

F**k 'em. We need to close our accounts and go to Credit Unions and use more cash.

Who are the idiots paying ATM fees???

I've never paid an ATM fee. I won't even pay for gas to get to one; I ride my bicycle to the ATM.

ATMs save banks money because they don't have to hire human tellers.

Still ATMs are becoming a thing of the past. Most merchant exchanges are done electronically -- and yes, it's a same that the rent from this goes to the banks when the transaction costs are zero; this is in effect a sales tax that goes to private profit rather than providing government services. As for cash, you can make a withdraw when you pay electronically at the local supermarket. Let your supermarket be your ATM.

Patrick says

Literally the only crime we have in rural IL is ATM theft. I mean the whole machine at the bank at 3am. I'm usually awake. I figure they have insurance and the criminals have guns. Happens about once a year. I don't call. Stealing an ATM at 3am before it's refilled is retardation.

Shit on me all you want but I bank with Chase. Nearest one is 25 minutes away to get cash. My youngest had to pay for me to get into about 5 basketball games this season. I just don't carry cash. I'd rather just give a robber my wallet and phone and shut everything down in 10 minutes if they didn't take my car. I don't carry credit cards either except one hidden in my car. I'll give you everything, walk away and you'll get nothing. I have auto insurance. IF you found the credit card it would be shut down. Borrow a phone and call the wife.

I'm the worst guy to rob that puts you in jail and you didn't even get anything. I love being able to walk around with that confidence. Just act scared and walk away. 9 out of 10 people would not approach me to rob me anyway. I'm clean and shower daily and do the everyday stuff, but I'm unkempt. Longer hair. Shitty beard. I don't look like money 90% of the time. Tall so criminals would be more timid. Not wearing $500 in clothes. My winter jacket was $200, but looks like a $30-50 Walmart jacket. I have my legit snowboard jacket, that was $350. I rarely wear that.

I like looking poor. It's kind of fun. You get a feel for how real people are.