Sometimes its just the tyrany of a bureaucracy. FNB some time ago tried to introduce biometrics to get change. Since I had to get change every second day, this became an unbelievable source of irritation, as I knew each and every teller, and they knew me. Yet I had to go through this ridiculous time consuming process every time, I suspect because the tellers actions were recorded by cameras, of which there was about seven(in a very small space). Of course we pay for those cameras too, somehow. FICA was the reason they gave me - but why for change? My protestations included "I forgot my fingers". They stopped at some stage, no one could explain why suddenly this FICA requirement was no longer necessary.

I think they were toying with the idea of charging for change, which could  be justified if there was an involved admin process to go through.

Point is, don't ever trust your banker, cos he ain't "yours"...