Hey Nico I was listening to the opening few mins of the podcast when you are talking about banks charging fees for accounts with amounts under a certain figure. It reminded me of an old Louis CK bit about being broke & dealing with his bank. This is an absolute classic piece of comedy & so very true too. If you haven't seen it you should watch it, it's really good.

https://www.youtube.com/watch?v=xrMqs9K1n5o