Debt and Equity

From P.J. O'rourke's book Eat the Rich:

"There are two main kinds of investments: debt and equity. Debt is just lending money. A General Motors corporate bond is a "debt instrument." You lend GM money, and GM promises to pay you back, plus interest. Your savings account is also a debt instrument. You lend the bank money, and the bank promises to let you withdraw it, never mind that the interest is less than you'd get from keeping a sock full of buffalo nickels under your bed. And your checking account is a debt instrument, too. You lend the bank money and they...charge you for it? Plus ATM fees? This is probably why so many pistol-waving people rob banks and why so few pistol-waving people rob General Motors."

Might I also add to this list ridiculous overdraft fees on debit cards, fees on getting your past statements, fees on fee administration, and a fee creation fee (they have to pay someone to come up with all those fees).