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Necessary Evil And The Theory of Low Hanging Fruit identifies and urges all financial services consumers: unsuspecting ordinary men and women, graduates, mortgage and personal finance seekers, small business and big business to limit to a minimum the costs of patronage, captivity, loyalty and, to some extent, ignorance in the banking industry. Real world class examples and references are given. If you thought you are brave while walking the treacherous paths to the bank to win credit approval, think again. Read the chapter on “Fools walk where angels fear.” You need to be afraid, very afraid after realizing that a world-class bank CEO will not allow his sons or daughters to use credit cards. If you are a secretary or personal assistant, you will smile or frown, nod in agreement or feel indifferent in "The moments of weakness, vows of deception, triumphs and perils of office romance". If you are a dedicated worker or professional, you will be outraged in "Directors reap outrageous bonuses while workers watch". If you are a consumer, you may 'tremble' in "Shock and Awe: the doctrine of rapid dominance." If you thought you could enjoy an unexpected fortune alone, as mortgage customer, think again in "Sitting on a beach of gold." There are some possible solutions suggested at the end of some chapters. Some pretty PAs will either 'walk away or stay the course' while some astute customers will use world class techniques to make decisions as in "They laughed when I borrowed my daughter's laptop" and big customers (cash cows) can deliver their 'own shock and awe' to limit the 'evil' some bankers do on loyal and captive customers.