Credit card companies justify charging cardholders additional fees for late payments by asserting the principle that those who expose other individuals, companies, or institutions to financial risk should pay for that risk, and by pointing out that late-paying cardholders present a greater risk of default than other cardholders
Without late fees, the companies argue, they would have to spread the cost of the risk over all cardholders
Municipalities should use tax money to pay for the maintenance of municipal roads, since if individuals paid for only those roads they used, some important roads in remote areas would be inadequately maintained.