Sometimes it cost money just to have access to your own money. The average ATM fee is around four dollars which may seem like a small price to pay for quick access to cash but it does add up. In his essay, Alex Nym expresses his frustration about ATM fees and how they're so unpredictable (Legal Theft: How Financial Services Inhibit Capitalism). The prices for ATMs have risen substantially within the years. Nym states that the bank is double charging their customers and the cardholders aren’t just charged for withdrawing money from the ATM their also being charged an additional fee from their bank. Nym states that high ATM fees discourage people from using ATMs and them spending their money which is bad for businesses and consumers. From an