Unintended consequences in the war on banks

It is interesting to see how quickly people have moved against bank overdraft fees. These are nothing new; I was once dinged with one 5 years ago and have only myself to blame. Now we are looking at congressional regulation of these fees. While that's great in theory, what could the unintended consequences be of stripping banks of one of their money making enterprises?

1. The end of free checking
2. Reduced bank hours
3. Higher ATM fees
4. Lower interest rates

Trust me, the banks will make up for this somewhere, and instead of the people who are financially irresponsible paying for it, people like me, who keep a decent balance in their accounts, will likely end up footing the bill.