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I don't see the confusion. You have a choice, either pay $50 a year or pay $8 per month. Sure 8*12=96, but, hey that's you're fault for not doing a little quick math. At least he realized he was an idiot for thinking they would just stop charging him when he reached $50, I mean it did say $8 a month.

A lot of companies have pricing like this. If I choose to pay my insurance on a monthly term vs all at once, I get a $5 payment process fee. So an extra $60 a year.