Y'know, one of the things that galls me about a number of different industries, including retail banking, is how more and more of their revenue stream is derived from various fees and penalties imposed on their existing customers rather than through their primary business function. For example, instead of banks using depositors' money to lend to creditworthy people and businesses to do productive things with, they shamelessly pillage their own depositors for more and more fees. One overdraft can trigger a whole series of overdrafts and more penalties that can quickly snowball into ridiculous amounts.

It's really crazy and most of folks just "take it" or worse, just are totally oblivious to how much money (which could be used more productively, like for emergency preps!) is lost this way. So, where we bank really does have an effect on our ability to prepare for life's little (and big) emergencies.