Ann Minch shot the video heard around YouTube. After Bank of America jacked up Minch's credit card interest rate, she declared that she's not paying them another cent. Minch's reasoning: the big banks are borrowing money from the Feds (or us taxpayers) at next to nothing and then turning around and charging us more on our credit cards.

Sounds like a good idea but is it? We ask Marketplace's Paddy Hirsch, a senior editor at the public radio show. Hirsh is also the impresario behind the Whiteboard, a video tutorial about the banking crises.