Why did it take people so long to catch on to this and why will most people still not relocate their money? Cuz they're stuck in bill pay, it takes effort, ignorance, they don't mind taking it in the wallet, don't care...ect. Credit unions are less corrupted than big banks, not because they aren't comprised of banksters and gambling brokers, but because they are not too big for their own good. When a credit union does get too big it can be bought out. Money doesn't care about people, especially broke peeps. You gotta occupy your own.