Texas A & M University Module 4 Profits for Bank Institutions Discussion

I’m working on a business writing question and need an explanation and answer to help me learn.

Banks use databases to identify profitable and unprofitable customers. Bankers say they lose money on customers who typically keep less than $1,000 in their checking and savings accounts and frequently call or visit the bank. Profitable customers keep several thousand dollars in their accounts and seldom visit a teller or call the bank. To turn unprofitable customers into profitable ones, banks have assessed fees on many of their services, including using a bank teller, although many of the fees are waived for customers who maintain high account balances. Bankers justify the fees by saying they’re in business to earn a profit.

TASK: Discuss whether banks are justified in treating profitable and unprofitable customers differently. Defend your answer.