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Why is paying less better than getting a refund?

The answer to this question could be a big economic essay, but essentially, money in your pocket is worth more than money in your agent account wallet, for a few reasons:

you can spend it as you like you can earn interest the risk of total loss is smaller (in case an agent closes their business) there's nothing you can get with amounts < $20 in your agent wallet

  • no risk of forgetting it exists


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