The great business rip off

My bank wrote to me this week offering me a deal - a credit card in the name of my Ltd company and with no annual charge. Shock horror I thought to myself, has the world gone mad? On further reading I found the card was only free for the first year but there would be a £25 charge each year after that.

Lets do a few comparisons

Personal credit card with the bank: Free
Business credit card with the bank: £25.
Perhaps they don't appreciate that most people will get get another personal credit card for free and use that if they want to keep their business transactions separate?

A few more examples:
Personal banking with the bank: Free
Business banking with the bank: Charge per transaction

And finally:
Cost of filing annual (tax) return with the inland revenue: Free
Cost of filing annual return with companies house: £30 (£15 electronically). Criminal offence if you don't pay.

Why are companies seen as such an easy target for these rip off charges? They only result in costs being passed onto the general public. Is the £4.35bn profit that the bank makes per year not enough?