What do banks do with the money they make out of their 'account charges' and 'service charges'? Well, for one thing, these charges pay for systems that protect the banks from risks like cash-machine malfunction. If those systems let the banks down, I say 'tough on the banks - it's a windfall for the customers'.
Just as when the bankers pay themselves huge bonuses out of the charges they exact on our accounts, the banks say 'tough on the customers - it's a windfall for us.' The bankers get plenty of free lunches. Why shouldn't their customers too?