Penny wise and pound foolish

Why are people such financial retards?
They can't handle wasting +20% price on vegetables but easily rack up late fees. And they don't listen to me.

What disappoints me is that so many companies' profit margins are entirely based around collecting undeserved fees on top of what they openly charge you and hoping you don't notice. These same companies will routinely make ads claiming there are "no hidden fees" while basing their business model around collecting hidden fees. The worst offenders are banks. They do nothing but collect hidden fees that they don't deserve, while being rude to you on the phone and inexplicably shutting down entirely on the weekends, after 5pm, and on public holidays. You'd think with all the trillions in fees they siphon from the working man they'd be able to stay open on the weekends or past 5pm. You know, like literally every other business does. Why is it I can buy a coffee at 8pm on a Sunday but I can't do any fucknig banking?! Not even online. That is some bullshit, huh?