“As banks are forced to impose fees, it would not be surprising if some consumers responded by moving to a cash economy — the kind they have in places such as Argentina and Zimbabwe, where government meddling has trashed the banking system. That’s what happens in all economies where a government attempts to legislate the transactions of willing buyers and willing sellers and impose its own vision of what prices for particular transactions should be. And in the end, it’s always the people at the bottom of the economic food chain who get it.”