[lazide]

I’m pretty sure no one in this thread is saying that but you?

It’s an observation that market conditions seem to disadvantage anyone who DOESN’T do that, so unless you like spending a bunch of effort and time (and being less competitive overall because of it, and likely go nowhere), maybe spend your effort somewhere else if you don’t like to be that way.

There are a ton of markets like this. If you wanted to open a ‘good’ check cashing place for instance, go right ahead. Just don’t be surprised if you lose your shirt trying it by not being like the other, less scrupulous players.