He has friends who help with this. The Banks really do run the country these days. Jamies shows up to a Senate hearing weraring Presidential cuff links. Hmm, did he get them from Bush or Obama?? Either is possible.
The solution to this is Bank manipulation is simple; Close your 401K and put the money into a Credit Union savings account and/or CDs (ask at the Credit Union). Then assess if you are in with the top 20 biggest Banks; http://www.ffiec.gov/nicpubweb/nicweb/Top50Form.aspx. If so, go back to your local Credit Union, and setup checking (Auto Deposit too) and Credit Cards (see below). Once done, move any on-line payments to the new accounts. Close the old accounts (Bye a-holes).
If you are in a position of high Credit Card debt, bite the bullet and stop going to dinner/movies/Walmart/golf/whatever until you pay them off. Then do the above.
Now have a nice life, being free of the big Banks and all their excessive fees. You are all welcome.