I'm so grateful to the overlords who grant me employment and force me into the office to sit on Teams calls with India, all so I can experience the pure joy of extensive train delays!

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Businesses should just factor merchant fees into sticker price much the same way they would (should?) be factoring in the cost of carrying cash, as consumers we wouldn't even notice. And yes, cash does have a cost (time taken traveling to/from the bank or ATM, risk of loss or theft on the way etc).

Don't pay bank account fees as an individual, please.. there are so many ways to get free banking.

Many people at my workplace are saying similar, "it's not that bad, what's the fuss" etc. The point is you can just as easily ask employers "what's the fuss?" when they whinge and moan about their empty offices. I'm yet to see a real argument beyond "we believe face-to-face time increases collaboration and innovation" as though that means anything.

On the other hand, 3 years WFH and we continued to post record profits year after year, just like before the pandemic, just like we undoubtedly will after... it makes no difference... just let people work from wherever they want. I do agree with your sentiment about having agreed home and office days (hybrid working is not flexible).

More urban sprawl with inadequate infrastructure and a bit of koala genocide on the side. Brings a tear to the eye.