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Apartments instead of a house, and -- megyn: rents are going up. >> reporter: it's cheaper to own a house in about, i'd say about 70% of states right now, but yet people continue to rent. sort of a rebuke of the recovery and a lot of other things. obviously people aren't confident enough to go down and buy a house. megyn: and it's not just confidence, though, it is also the banks requiring you -- i mean honestly it's like, you know, a couple of analogies came to mind. you have to expose a lot is my point if you want to get a mortgage. >> reporter: absolutely. let's just call it open komono. we...

Over and over again, all we're doing is cutting off our nose to spite our face. it may feel good in the short run, but in the long run it just doesn't help. >> jamie: now, chase bank is going to charge you extra if you want to pay per statement and bank of america, an online account, charge you if you want to go into a branch. how will folks know the rules? it's becoming so cumbersome and a huge percentage of people aren't getting free checking anymore. >> that's right. these are all disappearing and it all goes back to a lot of government involvement. and for what people, you know, you're goi...