Yeh, but the late fees are good for people. Free market and free market. Drain the swamp etc. Just pay your debt on time. Or something, both side the same, yada yada.
A great example of the current presidency trying to do something good for a lot of people.
Because they're not rolling it up fast enough! Can't you see? They just have to roll it faster and preferably all the way and then I'll get excited and help. Yup. Until then I'll be adding ankle weights to you too. And don't forget it's all your fault too.