I think the critical phrase is "tax masquerading as a service fee". This dovetails nicely with the "debtor's prison" article by Alex Tabbarok, Aug 14 2014. "We

I think the critical phrase is "tax masquerading as a service fee". This dovetails nicely with the "debtor's prison" article by Alex Tabbarok, Aug 14 2014. "We" want "law and order" ( in the Nixon-era sense of the term ) without paying for it. It's oppression by administrative insouciance.