I did not have the luxury of living with my grandparents. But, the times I spent with them over vacations are well etched because I constantly heard my grandfather rattle about how bad habits were easy to make and very hard to break. I could not value the inference from what he said till much later in life and am reminded of it now again. I am reminded of this phrase because of the charges that banks are levying on cash transactions at the bank and at the ATM even as the date for restrictions on how much one could withdraw from the bank go.