And the fee gets deposited into a high-yield savings account of your choice, so you're paying yourself (it reminds me of those sites that allow you to make a "b

And the fee gets deposited into a high-yield savings account of your choice, so you're paying yourself (it reminds me of those sites that allow you to make a "bet" to your friends that you'll (stop smoking/exercise more/lose weight/whatever) and if you don't do it then you have to pay your friends