Other services are expensive, because they try to serve everyone - they are basically cross subsidizing between their customers that make them all of their mone

Other services are expensive, because they try to serve everyone - they are basically cross subsidizing between their customers that make them all of their money (by moving larger amounts), who end up paying for their customers who move small amounts. On average, this doesn't seem like a big deal, but it ends up being expensive for the folks who move most of the money.