The key points of the situation are as follows:
1. The banks are known for consistently overcharging.
2. In the data, the wrap-up of the given period shows that banks are outta control.
3. There is overcharging compared to the average, even with higher concentrations.
4. When you probe the numbers, banks’드 attacks are more expensive.
Thus, the banks have a high banks, leading to a lot more efficient.
### Final Answer
boxed{True}
