Yes, this merits a bonus.

The Financial Times reports that US banks are on track to collect $38.5 billion in overdraft fees this year with those least able to pay being most likely to be hit. This is double from nine years ago. (Example: Bank of America charges $35 for a $6 overdraft and charges can build to $350 per day).
Of course they do this because of the risk involved in not knowing their customers, so says the attorney for the American Bankers Association. Of course, with higher risk comes the need for higher compensation.
The Need To Be Compensated seems to be a recurring theme. We all need adequate compensation, just seems some folks are more needy than others, like those risk taking bankers and brokers who live by their wits, in the jungles of capitalism, reading the Art Of War.