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<p>[QUOTE=&quot;steve63, post: 2680293, member: 76463&quot;]I&#039;m not saying I&#039;m entitled to a bank&#039;s services simply BECAUSE they make a lot of money.&nbsp; If I believed that then I&#039;d be saying I should have the right to walk into ANY bank (customer or not) and expect them to make change for me.&nbsp; I&#039;m talking about MY bank where I am a customer and have had between 40 and 50 thousand dollars sitting in a savings account now for over 25 years (money I certainly could have invested elsewhere with a better return).&nbsp;&nbsp; But a financial advisor told me years ago to always have six months living expenses available in a savings account to deal with unexpected job loss.&nbsp; Well I never did lose my job (not yet at least), so my bank has made out pretty well by me keeping a balance like that for the past 25 years.&nbsp; Sure, that was my choice to keep that money earning almost no interest in a savings account.&nbsp; Nevertheless when it comes to bottom line dollars, my bank has made FAR more of a profit from me than any tiny cost they have accrued after 2 years of me coin roll hunting at about 10-12 rolls every week or two.&nbsp;&nbsp; So to categorize my bank as the poor victim of my abuse here seems beyond preposterous to me.&nbsp; This is not about how much money my bank has per se, it&#039;s about the fact that part of their profits are based on MY money sitting in their bank.&nbsp; Sure in the whole scheme of things my money alone represents a miniscule fraction of their profitable bottom line, but it&#039;s also true that the cost they are accruing for providing coins to me is an even tinier fraction when it comes to their total operating costs.&nbsp; I can&#039;t believe there are people on this forum who can&#039;t understand basic math.&nbsp; My bank has made far more money from me than it has cost them to service me, yet there are people who will look at that and call me the abuser and the bank the victim. </p><p><br /></p><p>Coin roll hunting is NEITHER a gift nor a right.&nbsp;&nbsp; Asking for coins for any reason is related to the financial services that a bank provides.&nbsp; How far they are willing to go providing services depends on how much they want you as a customer.&nbsp; It&#039;s like any other business.</p><p><br /></p><p>In order to edge out it&#039;s main competitor for business, one of the grocery stores in my town started providing services like delivering groceries to your car for it&#039;s customers.&nbsp; Is that delivery service a right or a privilege?&nbsp; It&#039;s neither.&nbsp; A privilege implies the store is giving the customer something but getting nothing in return.&nbsp; But that&#039;s not the case.&nbsp; It&#039;s getting new customers who will keep giving them their business.&nbsp; On the other hand, a right implies the store owes me that service, but it does not.&nbsp; It&#039;s about a MUTUALLY satisfying business relationship where each side&#039;s needs are being supplied and both are benefiting from the arrangement.&nbsp; As soon as one side feels they are getting a bum deal they are free to sever that relationship.&nbsp; It&#039;s got nothing to do with rights, privileges, abuse or empathy.&nbsp; My point has NEVER been that expecting a bank to provide coins to it&#039;s customers is a RIGHT.&nbsp; But I also reject that it&#039;s a PRIVILEGE.&nbsp; I&#039;m saying it&#039;s a REASONABLE expectation for a long standing customer who has regularly maintained a high balance in their account and does not ask for coins in exorbitant quantities.[/QUOTE]</p><p><br /></p>

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