Exactly - you enter into the relationship knowing what the terms are. I can't fathom why people think they should get special treatment and the rules shouldn't apply to them just because 'oops I made a mistake'. Like I said, I get being annoyed about it, but I'd be even more annoyed with myself that I made it happen. I was the one in control of whether or not I was penalized, I was the one who effed up. It's just irrational to stomp around saying penalties are unfair and I HATE BANKS.
I accidentally paid my credit card bill a day late last month and they charged me $40. Yeah, it sucks, but I should have paid my bill on time. I knew what would happen if I didn't - I just forgot, so I paid my $40 and I'll pay it on time this month.