Perhaps if you had made your original post in that tone then I wouldn't have given you a 'mouthful'.
You put an exclamation mark after the word, 'unlucky' - this alone indicates that you found it funny and I probably speak for all of us who are waiting for court hearings when I say that is one thing it is not.
Personally, I don't give a flying monkeys what other people who are not claiming charges think, let them moan and complain all they like. The banks are still making billions of pounds profit a year, profits are going up even with the paying out of charges as one bank liked to gloat last week so maybe the people who are moaning about these additional charges on accounts and interest rates dropping on accounts should be targetting the banks and their excuses for doing this.
If people have never received a charge in their life then good for them but fortunes can change in an instant and even the most financially stable person can end up in the mire. It happens and it happens a lot - look at all the famous, rich people that have gone bankrupt. Look at all the repossessions that there are now.