Other three simple scenarios that I experienced myself with the current broken banking systems:

* Friend wants to buy some thing online - only 1 left in stock. Friend asked me for some money until his next paycheck - we were not in the same town then, so no cash option for us. Since it was a saturday, he could not buy the item then and had to pay +30% a week later.

* I wanted to send some money to a friend in another country. The fees? 30 EUR + 2%. Time? 2+ working days.

* Since I'm from Romania, my debit cards were not accepted online in a lot of places, so I had to go get a "real" credit card - with more than 4 times the fees.

And so on...