NEKS: The Bank is question had invested time and effort to make the money/loan be available to the farmer/individual. The fact that they did not use any of that money does not make the cost of getting it ready to be available, go away. With interest rate low a simple filing fee can eat up any short term interest earned on a loan. So these costs are being passed along to the user.
There are many thing about "Modern" banks that I dislike and think should be illegal BUT your example and Super-H-Mike's really are just standard business practices that are in now way "wrong".
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