Ding ding ding! You have every reason to hate a business that penalizes you for something you didn't do in the first place. It's the hating of an entire industry because said industry penalizes you for something you did do.
The kicker is that we all, as consumers, pay for the people who can't manage their finances (or choose not to manage them). I am personally very angry that I have to pay for the people that overdraft their accounts and don't make their loan payments. I'm angry for Myradella that she has to pay for the people that aren't making their credit card payments to Capital One (different thread). Every time somebody declares bankruptcy, we pay for it. I think if more people were outraged about the abuse that has occurred on both sides of the banking issue, we might not be in such a bad mess right now.