No matter how we look at the matter, we will lose if we do not follow order. You want giro, someone has to pay to the bank who administer giro.
Just like a can of coke. Some pay 60c for a can, some pay $1.30 at hawker, $5 at pub, $22 at disco. Isnt it the same coca cola from the same distributor? Why pay more?
We cant stop them from making money. But we can find means to save some pennies.