Last week, I discovered that one of the national champions in the banking sector charged me a $3.50 fee to move $25 to my Starbucks payment app. I encourage anyone who thinks the Big Six have a great future milking Canadian consumers so shamelessly to invest heavily in bank stocks. I have reduced my own exposure. I also have moved 90% of my chequing and credit card business to a credit union with positive results (despite the fact that one of the Big Six manages the credit union's MasterCard business). My online brokerage will be next to go. And I've gone back to paying cash for my coffee. Great analysis Ian!