Nah just blowing off steam.....
Anyone who charges
me money
just in case I suck, sucks. Not only that, they now have ran off with a profit,
just in case I suck.
I mean, can I openly state I have no concern for their fraud protection and ask that they change the way they do business instead of extracting my money?
In my active imagination I am thinking of charging people prior to ordinary transactions as well, just in case they screw up, or they suck. Like at the bank. This pleases me.

Rant over.
In fact, since this occurred at a bank, and elsewhere, I really need to cover these losses as well, and there is risk it will occur again....so...