She goes on to argue that the “banking industry needs to develop different fee and service structures designed to accommodate lower income depositors in much the same way banks currently provide VIP treatment to high-net-worth individuals.”
Saying they “need” to fix fees assumes banks want those customers. The point of the fees is to push those customers away so they don’t have to deal with them. So the “need” was “keep these people out of our bank lobbies”. That’s already been fulfilled.