On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:

snip
>
> But not evenly. I am a bank customer who pays no banking costs or
>charges of any kind for the services I use.
>
> Other customers do, the ones who pay interest on bank loans and over
>drafts, and run up huge CC debts at awful interest rates. They are
>subsidising me.
>
> Janet UK

Generally that privilege is offered to customers who maintain a
certain balance with the bank. Your payment for services is
essentially lending the bank your money, interest free.
Janet US