i don't follow what you mean about would i turn down a raise...i can, do and will turn down money for services for friends. *maybe even special clients.
The banks also said that: their ceos deserve their golden parachutes.
The banks also said that they "couldn't" lower pay scales after the fallout, because then they wouldn't be competitive.
The banks also said that they were in debt up to their ears and they couldn't pay their bills.
How many ex-homeowners in the US have said that in recent years? Were they granted any leniency?
As for "swiping fees", and the cost to run those atms....the atms were paid for long ago. swiping fees are entirely unnecessary and are only utilized for making profits.
Virtually all of the services you mentioned can and should be automated in real-time; maybe initial setup would be the only major cost to them. But that cost is one that nearly every business has faced or will face in the digital age. So I'm not buying any of that.
Lets go back to "The banks have said this is a direct link to banking reform that has lowered the swipe fees they can collect."
The reforms were handed down (albeit entirely too lightly and 3 years later) because of the Banks illegal, immoral, unethical and quite frankly, disgusting behavior(s) that led up to the bailout.
That's called the blame game. Friends don't let friends play it.