The old joke, “I’m from the Government and I’m here to help” comes to mind with Bank of America’s recent decision to begin charging its customers $5.00 a month for using their debit cards for merchant transactions. The initial reaction is to make a pile on BOA, but Mike Brownfield at the Foundry.org traces the source of the problem (and it’s a BIG problem) to Dick Durbin’s (D-IL) amendment to last year’s Dodd-Frank Wall Street financial reform bill.