All the comments are very valid, with the exception of the  man who tries to justify the Sins of the previous Christian Government. To this very day the Banks charge whatever they feel they need to make more profit for the share holders. As far as I am concerned  the Banks a legal thieves. Inflation runs at "6%" according to the statistician general. But just recently Nedbank increased my fees by a whopping 25%. maybe they are like JZ they don't understand numbers. The supermarkets are just as bad the staff look at you as though you are bothering them, when doing your grocery shopping. Three years ago I was confined to the Helen Joseph after a rather nasty fall breaking my femur. The staff again treated the patients like dirt.
I asked a friend of mine why would they do such a thing, his reply was "because they can."
So my comment here is if you go about doing your own thing without caring for your neighbour  then you are encouraging  this attitude which says "I am alright JACK"