If someone is too stupid to weigh the fee against what they get for it, I don’t know what to say. It’s much like the decision to join a gym. Can you workout without joining a gym? Of course. Does it mean you are stupid to pay for a gym membership? No, as long as you deem you get more value out of it than you paid. Same for a card or a Sam’s club/Costco membership or anything else in life. Apparently some just don’t get it.
