You schedule a regular payment to someone else’s account on the internet. Zero wages or employee assistance required. The time for transfer comes, and the computer compares your balance to the amount required. The computer, in less than a second, says, “If balance available is less than balance required, then send Transaction Failed electronic message to account holder, else process scheduled transaction.” Again, zero wages or employee assistance required. Clearly, there are no variable overheads incurred by these mammoth corporate citizens, certainly not any justifying a $9 fee as charged by Westpac, or $6 as quoted to me by ANZ.