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The closest thing I saw to common sense was a comment that said "These things should be banned." I agree. So does the FCC. Which is why they are banned, ie illegal to own, sell or use!
I want the people in my office to shut-up, but I don't get to tell them to. I just put in ear buds. Duh.
My water bill incurs a $2.95 "convenience fee" as well, and that goes to Western Union. They run the website and transfer the money. For that, they get the $2.95 per customer per payment.
The company is happy because they don't have to process the payments, run the app servers, or pay for the service. The provider is happy because they get all this money for $0 marginal cost. The customers get the shaft and don't complain loudly enough.
Do you want your data stored on those platters? Pitching / Lisping 30 degrees or more? How is that handled?