We need an amendment to the Constitution, that limits the total "fees" bank institutions can charge to both parties in a transaction, to 1% combined, when the transaction requires only electronics to complete the transfer.
Currently banks are raping this country, picking up 2 to 4%, of every transaction they handle. It is completely insane that we as a nation put up with this. The money saved to consumers would put far more cash back into circulation than anyone can imagine.
The cost to a bank for handling such transactions is miniscule, compared to their current charges, and even 1% would be gifting them huge profits.