[delinka]

Not only opted in without permission, but receiving derisive reactions when requesting to opt out. "You wouldn't want to be embarrassed by having your payment refused would you?" Sure, that's fine, because there's invariably some issue with the store network, or the electronic payment processor that randomly refuses payment anyway. What's the difference?

"Are you sure you don't want this 'protection'?" I'm protecting myself from your fee. That's protection enough.

Furthermore, I worked in IT at a bank for awhile and witnessed many wealthy customers coming through to cash large checks for which they hadn't the funds - a head teller would sign off on the cash, no fees charged, and the customer leaves with the money.