What would you think of a proposal to create a consumer financial system in which the poor subsidize the well off? How about one that raises costs for those who do not use credit while imposing hefty penalties on those who use it unwisely?If all that sounds good, read no further. That is the system we have now.The current system is a maze of hidden fees. When you buy something for $100 with a piece of plastic, the store receives less than $100.How much less depends on what kind of business the store has. (Food stores pay smaller fees than....