That actually proves the point, because a market left to itself arrives at 2-3%, and it only goes lower if the government is dictating a rate.
What you are missing is that a market left to itself is not necessarily competitive when monopolies/duopolies form.
Proves what point? GP was saying the government would only increase fees.
What you are missing is that a market left to itself is not necessarily competitive when monopolies/duopolies form.