The question IS does Japan have a banking system or is it just a way of collecting free money. 105yen X multimillions of the japanese population plus the few thousand gaijiin who need cash is a huge amount of money for nothing!!!! I should keep my money under the mattress (except that the jap yakuza will steal it!) for all the good keeping my money in a Japanese bank does. ZERO interest no benefits and they charge you after hours as if the jap ATM is an overtime workin' human!! 105 yen pachinko money! Are these people retarded because they have copied TOOOOOOmuch??