Because you make your money through punitive fines

Your employer charges a small fee for its services, but that’s not where it really makes its money.

Where it really makes its money is through punitive fines.

Yes, your employer levies punitive fines, as if its customers were criminals.

For example, they offer zero-fee bank accounts but fine customers who go overdrawn $35 a day, which adds up to over $1000 a month.

You know that these fines pay your salary.

You also know that levying punitive fines causes real suffering in the lives of the people who can least afford it.

This is not what you were meant to do in the world.