Banks aren't the only arseholes that need to clean their methods and mentality...

As example: The habit of NOT buying toilet paper to prevent capitalism crushing the earth to get it to you is very tangible savings (multiple meaning if "saving")

SOLUTION IF YOU'RE WILLING...
A wet tshirt can be washed for wiping your bum (and not capitalism and fossil fuel transport wiping your bum).

These smaller but massive hypocrisies bug me and enslave the planet so I'll end that by saying the banks aren't the only arseholes that need to fix basic mentality.
"Cheap and easy to get" things cost us and planet in many other ways much more and disposing of them costly in material and transport of items.