It's a difference of degree, not kind. 30 bucks thrown into a corporate black hole instead of a handful of meals, or gas for a day of driving delivery, or medicine. An hour or two or three of a low-income earner's productivity, every month, possibly for years, because... you didn't care to spend 5 minutes looking at your bank or credit card statement? Come on.

But, of course, no one can tell off the comfortable class. It's "perverse" and "abuse" and "deceit" and "manipulation". eyeroll

If the subject were as minor as you say, you wouldn't be trotting out that kind of characterization. I hit a nerve.