Opting into your bank’s overdraft protection could leave you paying higher fees and make your account more likely to be shut down, according to a new report from the Consumer Financial Protection Bureau.

Right now, if you’re a farmer and you buy crop insurance, the government pays about 60 percent of your premium no matter how much money you make. The Senate bill says, if you have adjusted gross income over $750,000, the government will chop your crop insurance subsidy by 15 percent.

A big part of the consumer economy is, of course, big business. And big business, in today’s world, increasingly relies on the idea of growing shareholder value. Lynn Stout is a professor at Cornell Law School and the author of “The Shareholder Value Myth: How Putting Shareholders First Harms Investors, Corporations, and the Public.” She’s quick to point out that while we might view “shareholder value” as an essential part of capitalism today, it wasn’t always that way.