I agree with you Roy, This is an example of the state making it more difficult for people to get those surplus funds.

I analyze what I have to do versus what I am saving.For example with changing your oil by the time you do it, get dirty, and have to dispose of the oil it takes more time and only saves you a few bucks.

Example ( if your gas bill is $500 you must pay the entire amount) they do not want you making Payment arrangements.

@Christian Marin  Christian, thank you for that, as I really enjoyed the example you gave.

There are tons of examples, but here's one:  Seller needs $10K to move mom into assisted living and 60 days to vacate the property of 40 years of "stuff".  

For example is there risk in having a refinance be at a higher rate that you'd get if you did traditional financing from the get-go?   

Here are some examples of follow up questions I use..."

For example, is part of your fee used to cover administrative cost of checking references?

Anish Tolia,Can you provide an example of an "HML fund"?

If not, what for example makes a property a B instead of an A, what are the qualifications for an A rated property?