This is NOT a CONSPIRACY THEORY
It's on MARKETWATCH
http://blogs.marketwatch.com/thetell/2013/11/25/bank-look-to-charge-customers-to-hold-their-money-if-fed-says-stop-being-lazy/
http://thenewsunit.blogspot.com/2013/11/banks-consider-charging-customers-for.html
...developing...