Banking payments are never useful to charge progressively. Always, one part of the banking system subsidises the other, so some players will pay for others, some borrowers will pay higher for others to get lower rates etc. Banking is not a bunch of silos, it's fungible, interconnected, dependant activities. Usage based fees are not good; you want people to transact more so you can earn more float income on average rather than nickle and dime out fees from a few and this reduce growth. The float income pays for everything and much much more, so no point doing usage based fees