Here's a doozy -
My young co-worker (24) and I were talking, I don't even remember the context, but I mentioned something about earning interest on my bank account. I have a very good rate with a local bank, 3.25% APY, so atypical, I know. She'd never heard of earning interest on a bank balance. Like, the concept was so completely foreign to her, I had to explain it slowly, and she was in complete disbelief.
It gets worse.
She said, my bank charges me to keep money in my savings account. A "maintenance fee." I told her some banks do have fees attached, and that she's probably better off switching banks. She said that yeah, that $48/month was really cutting into her trying to save, when she is only able to save $50/paycheck.
HOLY WTF??! I then said you HAVE to change banks, that is BEYOND insane. She honest to god thought that was just something everybody paid for the privilege of having a savings account. Completely clueless. 50% of her savings going down the drain and it never even occurred to her that that might not be normal.
A few days later, I asked if she's done anything about switching banks yet, and she said she'd called her bank, and asked about the fee, and they apologized, saying there'd been some kind of mistake, (it should only be a $2/month fee or something). So they refunded her 10 months worth of fees, plus gave her a $100 to make up for "the inconvenience."
I told her to take the $100 and still switch banks, because she shouldn't be paying anything! I told her where I bank, and my interest rate, but that if it's not a convenient place for her, she should at least look for someplace that doesn't charge anything. Sadly, I don't think she will.
But geez, this poor girl was getting robbed and had no idea.