Cost of Regulation

Really, rather remarkable how so very often the very regulations intended to help the poor/middle income end up instead hurting them. 

Pass a bill designed to limit how much banks can charge for debit transactions, and banks look to recoup their costs by decreasing services or increasing other fees.

Require that banks look into the identities of customers, in an attempt to make money laundering more difficult, and create a situation where banks have to charge more money to the poor than to the rich b/c it is typically more difficult to establish the financial identify of someone without a financial past. 

More detail?  Look here.