Banty wrote:

So consider if sometimes the problem is more in the timing of the requirements
than the actual dollar costs.

Timing is definitely an issue, but I think some of it
just comes down to the fact that some people will trade money
for convenience and others will trade convenience for money.
Some would prefer for all the costs to be bundled and to pay
one fee and be done with it. Others want the costs spread
out or would prefer to get their own (either for control or
because they think they can get a better deal). People just
have different preferences, so it's darned hard to satisfy
all (or even most) of them. Everyone would like enough lead
time, of course, but even with lead time you're not going to
satisfy everyone.

Best wishes,
Ericka