There's a commercial that I find very aggravating. It is for Wal-mart, their check cashing service for people who are apparently too stupid to have a bank account.
It features a couple. Both seem to have a job, because they talk about cashing their "checks." It seems they have discovered that Wal-mart only charges $3 to cash a check, meaning they get to keep more of their money and are able to save up to $200 a year. They use this hard earned savings to buy more of the things they want, including a laptop computer.
OK, the obvious question for this "money saving" couple would be ... why don't you get a bank account and not pay fees at all? And don't tell me there aren't any banks in the area. If there's a Wal-mart in the area, there's going to be banks too.
It's just plain stupidity.