It's happened to us all. You've arranged some kind of service like buying a ticket or opening a bank account. You're about to be done with this whole task. And then you see it. Some little note in the ledger. Just one little line that says "convenience fee" or "transaction charge," and next to it is a number. A number of dollars they expect you to pay because they're pretty sure you'll pay it "just because." This is a slap in the face. And face slaps are not to be taken lightly. They might as well have just tea-bagged your soup and looked at you as if that's standard procedure.