friend requesting me to buy something online on his behalf... computing the costs...
me: 'you still have change with me... so we'll deduct that...'
friend chuckles: 'it's ok... i'll make you my bank...'
me: 'bank? i don't pay interest...'
friend: 'it's ok...'
me: 'well, your change is actually below maintaining balance for a bank... you're even supposed to be charged penalties, hehe...'
friend: 'no penalty... there's no interest anyway...'
me: 'banks charge penalty when you fall below maintaining balance even when you don't earn interest...'
friend: 'you don't require maintaining balance...'
me: 'hehe... i'm cheap, huh!'
; )
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