I think requiring me to write a policy paper in HN comments is a bit onerous. In any event, I can't much help if my mild criticism is interpreted on your part as something deeply nefarious.
>Being ignorant of the value of a service doesn't make that service unnecessary.
The fact that a service exists does not make that service necessary. Or do you always buy the protection plan from Office Depot when you purchase a stapler? Anyway, I agree that the mortgage companies find great value in all of their various fees.
I think requiring me to write a policy paper in HN comments is a bit onerous. In any event, I can't much help if my mild criticism is interpreted on your part as something deeply nefarious.
>Being ignorant of the value of a service doesn't make that service unnecessary.
The fact that a service exists does not make that service necessary. Or do you always buy the protection plan from Office Depot when you purchase a stapler? Anyway, I agree that the mortgage companies find great value in all of their various fees.