It sort of goes over your head really doesn't it. Even when the FSA and numerous PPI reclaim solicitors and most of the general public are in flat disagreement with you, it still doesn't sink in.
Here it is slowly for you, and if you could manage joined up thinking it would help.
1. Wages are too low
2. Prices are too high
3. Banks exploit this by forcing you to
a} Have a bank account
b} Use their money to maintain a basic lifestyle {Please note Basic}
4. Once in debt they then add charges to charges and interest to interest
5. This is part of a greater financial system that props up their wealth, for their benefit.
6. You have a choice, submit or fight back.
Not using them is not an option for the majority of people. It's that or be the most morally righteous man who ever had his house repossessed.
Please take a reality pill before you start squealing and post again.