Well, this is where we disagree

Well we agree in this anyway: This is where we disagree.

Your table is just a demonstration of usury. If the fine print said she will lose one finger for every day she is late in paying, would you simply compose a table of how many fingers she must lose and to stop whining because she agreed to it when she opened the account? At least in this case there'd be the upper limit of 10 fingers. There is no upper limit in your table.

Usury is not contingent upon something being legal or not. It can be perfectly legal and even agreed upon up front and still be usury and immoral. In fact severe usury has often been legal and people have at times in history been imprisoned for something similar to a $45 debt that they let get out of hand whether because of negligence, malice, or higher priorities in their lives.

I do not think it makes it right. Onesize also deserves some relief from these usurious practices even if it was all her fault and she agree to the abuse on page 1 million of her 10 million page cardholder agreement.

Shirtless1