Do the poor pay for the rich?

I was unimpressed to see that HBOS have chosen to hammer ordinary customers with a radically increased overdraft fee. Is this once again the poor folk paying for the mistakes of the rich folk? Why is it always the little guy that gets hammered when the powerful screw up? No matter how they spin it, this is the 1000’s of ordinary customers paying through the nose for the excesses of a few who still don’t seem to worry about how what they do affects others.