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Long gone are the days when banks were a community space, where the tellers knew your name and would help your family with short-term loans on a handshake. In the 1970's and 1980's personal loan to pay stamp duty were deregulated and they began merging with other institutions and creating financial products to make money from their customers.

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Banks have created financial products, such as overdraft protection, so they can charge fees for the service.

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