Sometimes, our mailbag reads like some kind of reality-based personal finance version of the Penthouse Forum. “I never understood why people are so angry with big banks,” our readers type, “until one of those horror stories happen to me.” That’s sort of what happened to Kestris. She and her husband are longtime Bank of America customers who never really had any problems with the bank. Until they did. It was a big one: when they withdrew their rent from an ATM, the machine made bill-counting whirring noises, but dispensed no cash.