Most of us don't ask for a lot when we do business with a company. Of course, there are some people that can never be pleased. But the vast majority of us just want to be treated decently.

Clark has long had a bias against the giant banks. So often, it seems like they don't have the need to treat people in a dignified manner -- despite only breathing because of the generosity of taxpayer bailouts.

Have you heard about the recent inhumane behavior of Bank of America? The St. Petersburg Times recently ran a story about just how bad it can be for customers at a bailout bank.

Steve Valdez went into a branch to cash a check written to him by his wife, who was an account holder. But Valdez was born without arms and has prosthetic limbs. That means he was unable to provide a fingerprint, which is routine policy when BOA cashes a check for a non-customer.

Valdez had 2 forms of ID. Yet the bank's manager stuck to the letter of the policy and would not cash the check because no fingerprint could be obtained.

Where is the humanity?

After this became a national story, Bank of America called Valdez to offer an apology while maintaining that the bank manager was just following policy.

There is a better way around all of this. If you're getting undignified treatment from your giant bank, why not consider taking your business to a community bank or a credit union?

Are you a small business owner? Clark says you're out of your mind doing business with a giant bank. As a business owner, you need special care from time to time and you won't get it at a giant bank. Believe him now or suffer the consequences later.