Man you couldnt be more correct, down to the usury laws and all. Many will respond that those fees ARE actual debt, because they are in the contract. Obviously that is horse dung, those fees are all usury, the staggering amounts they run up to and the hidden nature of it are all obvious trickery and scammery. A true deal is made by people sitting down and explaining to each other what they want clearly and with no attempts to hide information, nor work to harm those whom you deal with, all of these ideas are foul and they are a large cause of our modern problems, that coupled with the most expensive futile war in history of USA

 

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