I love you, but I know you use me.
For example, when I transfer money to you from my credit union on the 21st, it's gone from the CU the next day. Like, immediately. But you take 3-5 business days to register it. Why is that? I know that the electrons didn't disappear, nor do they move more slowly on weekends. I have a strong suspicion that someone is making money on my money during that delay--if only through incremental bits of interest. And I know it isn't me.
Anyway,I'm just sayin'. I'm going along with it, and I know everyone does it, but I'm no idiot. I see what's happening.