Think of a bank - you may pay to have a business bank account. An account with $10K that does 1 transaction every 2-3 months, vs An account with $1K that does 4

Think of a bank - you may pay to have a business bank account. An account with $10K that does 1 transaction every 2-3 months, vs An account with $1K that does 4 transactions every month. There is no real difference in cost to the transactions themselves (to an extent, and in this example). You are willing to pay to have the ability to transact, regardless of the size. The whole point here is that your 10K is more valuable than their 1K, therefore you would in theory pay more to have the ability to transact (regardless of # of transactions). I agree though - its gouging for no reason.