As I scoured the list I can pretty much agree because a lot of what we spend money for is fees for ‘convenience.’ And (after scanning it) I would have to agree that if we researched our options and/or were willing to enjoy the perks of many of the physical and artistic recreational forms of entertainment (and life’s necessities and amenities), we would save ourselves a ton of money—with our willingness to take slightly more time to research our options and give up the need for instant gratification for things we can get the same benefit(s) for.