True story. Guy walks into a bank. Has all his business accounts there. All his personal accounts, too. High income, high net worth. Been there for years. Asks about a $3 charge on one of his accounts. He’s told that it dipped below the minimum for a couple days. Says okay – won’t happen again. Can you waive the charge? Banker says no. Incredulous, our guy asks again. Same answer. Moves every account and loan to a competitor. Question: why would a bank spend so much time and energy to find customers just like him — then let him walk away over $3? Would you? Are you? Better check.