I really like the idea. How about when you are late with a payment and they add the service charge, the money changes to + $10 (0r whatever) more without deducting the amount from your account?

We could take this a step farther--hairballs for cat food, dust bunnies for cleaning supplies, etc.! LOL!

Barter! We love barter! Rutabagas for parsnips, tomatoes for a Cleaning Lady.......