I was thinking the same thing but you have to look at it like a cell phone bill or the cable bill. Do you really need cable? No but you have it as a luxury. I was thinking to myself that I can do without some luxury like a cell phone and use the $30 a month to use the Foliofn service. After all does the cell phone company ever make me any money? No! But I can invest in them using Foliofn if I want.