OMG, guys, get a friggin clue before you dish out crappy advice and deductions.
Financial Services Fee is derived from having too much cash on hand in each particular country. If you have over 20T in cash on hand during monthly processing, you are hit with a "Financial Services" fee.
W3C does not limit your profitability of your countries. It doesn't even limit how much cash it can hold onto. But when you are over 20T you pay a Financial Services fee. You can avoid this fee by either (a) transferring excess cash out to get under 20T, or (b) buying coins using that particular country's cash reserves and getting below 20T in cash reserves in that country, or (c) loaning out excess cash to the loan market. (This option is slow and doesn't always work so well)
Country profitability is solely on the country owner and how he manages his finances. What is coming in needs to outweigh what is going out. The better you manage these two things, the better your profitability will be.
We have fought with the GMs in the past about this fee and it's not changing any time soon.