On 08/02/2016 07:13 PM, Stephen Michel wrote:
> On Tue, Aug 2, 2016 at 10:03 PM, Aaron Wolf <aa...@snowdrift.coop> wrote:
>> On 08/02/2016 06:48 PM, Stephen Michel wrote:
>> <snip>
>>>  I think the cleanest initial way to go is "No more than $limit will be
>>>  added to your outstanding balance each month." That is, carried over
>>>  matches should *not* be counted towards your monthly limit, but fees
>>>  should, in their entirety.
>> Well said. Even though I have some willingness to defer to Robert and
>> see his view…
> Me, too! Curious about Michael's view as well.
>> Well, let me put it this way: Stephen just stated the best wording of my
>> own initial view. The idea that in two months, I pay less than 2x my
>> monthly max is just fine. There's nothing objectionable about "we
>> combined two months of charges into one charge to avoid excessive fees".
>> That does not violate the expectations of someone having a monthly
>> budget limit, it just says that they paid the first month late, charged
>> at the same time as the second month.
>> So, I think Stephen's suggestion to count fees but not carry-overs is
>> indeed the best approach, even though I won't fight that hard against
>> Robert's "no charge is ever more than 1-month's-max". But in the end, a
>> month that had *no* charges* followed by a 2-month-worth charge the next
>> month is, I think, still in-line with patrons' budget expectations.
> Worth noting: deferred charges are different from a rolling balance.
> If your monthly limit is $10, it's acceptable to charge $0 one month and
> $20 the next ONLY if $10 was added to your balance each month. If the
> first month added $5, it's NOT acceptable to add $15 the following month
> just because "it's still $10/mo". imo.

Yes. Although the "$10 per month *means* $120/year actually" isn't
totally crazy, it's the wrong approach. I agree that it's a $10 cap in
month 1 and a $10 cap in month 2, it's just okay if during the 2 months,
there's one combined charge of two <$10 charges.

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