Hell NO! By that logic any banking operation would be shut down, since they're all taking cuts without delivering goods or useful services. DCC must at least disclose the actual charge, which is not the case with bank spreads. CitiGold at one point advertised "No Fee" ForEx with free mail delivery. After some digging I learned that "Free" really meant a 10% Buy/Sell spread. And if "consumer friendly" is now a requirement, how come airport exchange offices are still in business?