@melgross if there are regulations about consumer warnings, I don't think it suffices for a company to say that they can read about them on their site. I agree that people are lazy, but the law does put the onus on the companies rather than the consumer. It's for that reason that credit card statements now put in big print warnings that if you choose to pay just the minimum payment, you can end up paying X over time. For example, on my statement, it warns me that if I go for the minimum, my total cost over 15 years would be $6,473. Shouldn't anyone who uses a credit card realize that? Sure, but someone must have said that it isn't enough to assume that understanding.