Prepaid debit cards might not be the best option for people who could opt for a low-cost checking account instead -- but for those who can't, prepaid cards actually make great checking account alternatives as long as the cardholder takes the time to find the right one.
Importantly, prepaid debit cards themselves are improving. Long the last resort of people who couldn't obtain bank accounts or credit cards - the so-called "unbanked" - prepaid debit cards were layered with outrageous fees.
Do your best to read every bit of bank paperwork that comes your way, and take responsibility for understanding your account terms. If you don't understand something, or don't like a new fee, don't wait to ask about it.
Force the banks to go back to traditional banking. If that means turning them into non-profits, so be it. But there is no way to justify allowing them to continue to bilk average American customers, not to mention risking driving the global economy off the cliff again.
Revenue doesn't just materialize out of thin air: people provide it. So, if you don't like the way a bank does business, don't do business with them at all, and don't limit your message to your checking account.