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A little less than a happy high
There's a reason they've been hit with multiple class action suits in the past few years
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komos From: komos Date: October 13th, 2005 03:57 pm (UTC) (Link)
No bank in its right mind would claim "moral" authority. Legal authority, probably, and they're constantly pushing the envelope even there.

The trouble is that the game is ultimately the creditors' game, and refusing to play is effectively inviting marginalization. The most insidious thing is that even in insisting on a cash-only economy, you're still ultimately participating. Sure, you're spared some of the most predatory aspects, but in no way are you just stepping away from it.
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