Who do you hate more? Insurance or credit card companies?

It's a tough choice. I have always been a model debtor; meaning, I have no debt, pay all my balances in full, have a stellar credit report, do not live beyond my means and don't buy shit I can't afford. For this reason apparently, my friendly bank has decided to punish me by adding usurious foreign transaction fees for every instance in which I paid with my credit card while I was in Europe. This without my prior knowledge and for the first time ever.
That is, a bunch of American losers default on their payments and now the bank thinks its going to make those bucks back from responsible customers like me. They can kiss my ass, the motherfuckers. I already sent them a letter telling them I refuse to pay those charges, which amount to around $35.00 (and only because I decided to use as much cash as I could to avoid huge statements).
My loved ones think I am on a quixotic crusade that will only crush me in the end and destroy my credit rating, but I don't care. This Commerce Bank, which has an image of friendliness and convenience, cannot start playing rough with the likes of me. I'm not paying the fees, and I'm canceling the card and let them throw me in gaol, for all I care. Wasn't Obama going to pass a law curtailing the abuses of these leeches? There needs to be a massive popular backlash against these people.
As for insurance companies, that fucking hole of disaster called the Freelancer's Union, to which I pay around 400 bucks a month to make sure I'm not left out on the street if I ever get sick, (thanks to the majority of morons in this country who insist that national healthcare for all is communism), on top of charging 50 dollars a copay, it now turns out that it also requires a co-insurance, so I have to pay almost 80 bucks on top of everything. What the fuck is the point of insurance then? I wonder: if you are healthy, it's probably cheaper to pay for a private doctor in full, and not be hemorraghing almost 5000 bucks a year plus copays and coinsurances and cobullshit FOR NOTHING.
I'm telling you, we are being manhandled and abused by crooks and it nothing but our own fault for letting it happen.