Stone Harbor Spouter: Your spout on credit card fees was right on target. Who ever benefits from the service should pay the fee, case closed. I say that as someone who rarely uses cash, but I know this fee is mine. Merchants are being shoplifted, taxed, and regulated to the extreme. People are about to find out that the days of using other peoples money and the free ride are over. All the people who have money and have been propping up many loudmouths who don’t will soon be enjoying the quiet as some desperately search for their next dollar. Those under 30? Your first real lesson in life. Pay!