客户支付费用的依据是频宽而不是发送的信息量。
Customers pay based on bandwidth, not the amount of traffic they send over it.
由于信息不对称，银行可以收取大额的费用，并通过客户支付费用抬高他们自己的收益，而客户在完全不知情的情况下被诱导而承担风险——这是一种寻租形式。
Privy to superior information, banks can charge hefty fees and drive up their own profits at the expense of clients who are induced to take on risks they don’t fully understand—a form of rent seeking.
更有利的是许多客户都是自掏腰包支付费用。
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