<prompt> Human: What does he mean by his statements? Are they true? Are they just being pessimistic?  <response>: I used to work for a company that specialized in these cards. They are so predatory towards the under banked that it blows my mind. Fees for absolutely everything.Use your pin instead of credit? FeeATM withdraw? FeeMonthly Service Fee? You Betcha!Lost Card? Feee!Call to speak to an agent about something? Fee Mc Feetaker speaking, how can I help you!Want all your money off the card? Super Low ATM limit per transacationDay to max the fees off of cash. Get your tax refund and you want cash? Ell Oh Ell Your paying like a hundo or more getting your money off of that card. Best part was that since people were so low income with kids that they got gigantic refunds and would just massacred in ATM Fees. 