They have a guarantee from the Australian taxpayer which they don't pay for. When times were tough they scuttled back to the Australian people and hid behind our guarantee.
When times are good they screw us over with outragous fees to pay themselves and their shareholders. I was outraged to see a pompous, smug bludger on TV over the weekend trying to defend his cartel.
The banks are freeloaders that need to be bought to heel. They are no longer free enterprise organisations. Once they took the guarantee they became semi government franchises.