In case you haven't noticed, there are ever more penalties, restrictions and service fees on bank accounts, cell phones, and any other personal service that can be turned into quick cash.
For example, someone I know (let's call her Cindy) has a relative (let's call him Bob) involved in drugs. Cindy ordered a second phone (in her name) for Bob, who was to pay the bill. Unfortunately, the Bob fell off the wagon and began using the cell phone to get drugs - calling in for pick ups, loaning it to the dealer for quick cash, etc. When Cindy tried to have the phone provided to Bob "shut off" the cell phone company declined - even though the phone was in Cindy's name.
Another example, Joe has a teenage daugher Melinda. Joe trusts Melinda and provides her ready access to cash and bank cards for trips to the mall. Melinda's friend Tina, a drug user, discovers Joe's bank card in Melinda's purse, "borrow's" theh cards and overdraw's Joe's account. The bank is happy to profit from this by dinging Joe for each overdrawn check. Joe, embarrased by what's happened, end's up paying for Tina's drug use because he can't prove what actually happened.
Personally, I believe that banks want people with drug problems turning their credit cards over to drug dealers for quick cash. Why? Because everyone profits. I loan my dealer my credit card. The dealer runs out and buys a thousand dollars worth of fencible goods - TV's, DVD players, etc. The dealer then provides drugs. The merchant sells goods. The bank makes money on the merchant fees, and, if its a debit card, the overdraft fees. (Why, if I owned a bank and was unscrupulous, I would make sure every dealer in town suggest this use of a bank card to all their clients.) And, if its a responsible persons bank card - so much the better.