No, the point is the profit margin on all customers should be approximately the same; if any group is cross-subsidizing any other group then something's probably screwy.
Lol the banks will find away to keep charging for overdrafts and screw both types of customer - just like they did over the reduction in merchant charges I lost £20 a month but the merchants just pocketed the reduced charges as a bonus and did not pass it on to customers.
