The Israeli retail banking system is the only operation in the world that has managed to succesfully institue the sort of discreet pricing we learned about in economics, where prices are set according to each individual consumer's marginal utility. It seems that everyone here has negotiated their own banking 'package' with fees and services customized to their demands. "I will not pay 50nis a month for checking, I will pay 28 nis." "Ok."