Inflation. but still surcharges in 2012 average $2.16 at banks, $1.99 at credit unions. it's still quite a lot if you have to go there. i want adds up. but here's the good news. the silver lining. that is you do still have a lot of ways to get your cash without incurring fees. you can do things like use atms within your own financial institutions network. also some financial institutions that participate in surcharge free networks so there's ways to get around it if you know how to. >> okay. cnbc maddy drury. britain "sunday times" is out with a list of people who don't have to worry about thi...