The Inconvenience Discount

Every month I pay several thousand dollars for my mortgage, and hundreds more for the escrow fund. This is totally reasonable.

I also have to pay another $100 for the privilege of having my community association yell at me when a bad garage door sensor causes the outside light to stay on during the day. Though I'm not happy about it, I suppose that's reasonable too.

But the thing that really irritates me is the $2.95 "convenience fee" I would have to pay for automatic deduction of that $100. And if I paid that by credit card, it'd be another 3.5%.
Thanks for the offer, but I opt for the "inconvenience discount." Inconvenient for you; inconvenient for me, but at least I pay less money.