Somebody complained to me about a year back that his bank has charged a commission of ₹ 60/– for a demand draft of ₹ 30/–. Why is this so? For this, all of us are responsible.
And they all have something in common: 1) they are never planned though risk trends are more or less common knowledge, 2) they come as a result of operations that are almost impossible to predict, 3) their initial impact is always underestimated, but soon 4) goes into the other extreme, i.e. becomes overestimated!