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Too lazy is why we all pay too much for everything. Insurance and internet companies all know this, which is why they reward their "loyal" customers by billing them the highest amounts.
I'm too lazy most of the time, too. It's really not laziness, but more my contempt for such whacky systems, which then irritates me the whole time I'm playing their silly game. Same reason I procrastinate doing my taxes, because the time it takes is only a couple hours, but I'm intensly annoyed the two hours.
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