[signal11]

> I’d never dispute a payment to my mortgage servicer or electrical utility,

Er. “Never” is a strong word and it depends on scope. There have been numerous cases of overcharging. Sure, I might not dispute the payment itself, but the amount? Frequency? These get disputed all the time.

Many jurisdictions have good consumer protections for this, though, so overcharging will cause penalties— that does provide incentives for companies to do the right thing.