http://careers.jpmorgan.com/cm/Satellite?pagename=JPM_redesi...
Marketing is everything, and I'm pulling this out of my ass but I think Chase's biggest marketing ploy is the sheer number of branches and ATMs they have and are acquiring.
They get this huge tarp subsidy and then they spend a big chunk of it buying (or renting?) cheap real estate in the ghetto...
Buying cheap facebook karma is just the analog to this in the virtual realm.
JPChase were also deep with Enron, FHA, Fanny/Freddy and pretty much all the scams/information warfare that are draining the average citizen.
http://www.scoop.co.nz/stories/HL0407/S00040.htm
I bank at a local credit union. ATM fees suck but it feels righter paying Chase the one-off fee than giving them my savings so they can lend it out at a 20X multiple and continue the mindrape.