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An excellent reply booa. You guys are all much smarter and more experienced than me but I stand firm still on this one point. One size is being bullied unfairly.

You've crossed a very important line with that last comment.

Again: I understand the distinction in our situations.

Yet even though it's a fact and even though the best advice you can give her is to accept that and start to deal with it, I can't help but pipe up to say I sympathize. For while I agree the innocent victims of harsh usury policies deserve the greatest sympathy, I even have sympathy for the guilty victims of it.

Your point is spot on, I am treading on saying the protections afforded to the innocent to correct the errors of the system should be exploited to right the different error of immoral yet legal usury charges for onesize. Were the late charge a billion dollars. I would say yes. To heck with all this blather. Do not pay. Exploit the system.

For a $45 charge leading to $1000. You know, it's a gray issue for me. I don't want to spark a debate on philosophical issues regarding whether two wrongs make a right but this is how good people cut some corners and make the exploitation work in their favor for once.

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