re: U.S. Airlines collected $6B in baggage and reservation change fees last year

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Which means both the consumer and the merchant are.

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You never see that charge. Most places you pay the same with a credit/ debit card as you would cash. Of course there are exceptions like there are with everything.

It's similar to the way most pay their taxes. Money is with held and we never see it. So we operate our budget as if it was never there.

If people had to cut a check each month to the gov't rather than having that money withheld they would grab a pitchfork and march the streets of Washington IMHO