Debate: Are Banks Making Too Much Money From Fees?
Do the fees banks charge customers need to be more closely regulated, or are they necessary for the health of the banks, and the economy?

Claim: Fees should be more regulated
Reason: A bank user has to pay many times more for a service that costs the bank much less.
Warrant 0: paying more for something that costs less is how free markets work
Warrant 1: paying more for something that costs less is not how free markets work
Correct warrant: 1

Claim: Fees should not be more regulated
Reason: Banks are making big profits and forgetting to serve the public first.
Warrant 0: banks are not public services and are entitled to make a profit
Warrant 1: banks are public services and are not entitled to make a profit
Correct warrant: 0

Claim: Fees should not be more regulated
Reason: The government getting rid of usury laws allowed banks to charge high fees.
Warrant 0: banks don't need more money to stay in business
Warrant 1: banks need money to stay in business
Correct warrant: 1

Claim: Fees should not be more regulated
Reason: Accounts should not be listed as free, when they include hidden fees.
Warrant 0: these fees are the only way that banks stay afloat
Warrant 1: these fees aren't the only way that banks stay afloat
Correct warrant: 0

Claim: Fees should not be more regulated
Reason: Banks are making more money with services than though offering basic services to the community.
Warrant 0: banks often gain funds
Warrant 1: banks often lose funds
Correct warrant: 1

Claim: Fees are not necessary
Reason: It costs the bank money to operate.
Warrant 0: it costs more as they'd like to have you think
Warrant 1: it doesn't cost near as much as they'd like to have you think
Correct warrant: 1

Claim: Fees should not be more regulated
Reason: Banks are making big profits and forgetting to serve the public first.
Warrant 0: the public needs to be reminded that they don't come first
Warrant 1: the public needs to be reminded that they come first
Correct warrant: 0

Claim: Fees should not be more regulated
Reason: Accounts should not be listed as free, when they include hidden fees.
Warrant 0: hidden fees can be asked about
Warrant 1: hidden fees aren't revealed
Correct warrant: 0

Claim: Fees should not be more regulated
Reason: The government getting rid of usury laws allowed banks to charge high fees.
Warrant 0: making money is ok in capitalist societies
Warrant 1: making money is not okay in capitalist societies
Correct warrant: 0

Claim: Fees should not be more regulated
Reason: American executives are greedy and do not care about the American people.
Warrant 0: we are stupid people and need to be led around by corporations
Warrant 1: we are not stupid people who need to be led around by corporations
Correct warrant: 0

Claim: Fees should not be more regulated
Reason: Banks are constantly looking for innovative ways to pass fees on to consumers.
Warrant 0: they don't need to generate more revenue any way possible to stay at the top of their field
Warrant 1: they need to generate more revenue any way possible to stay at the top of their field
Correct warrant: 1