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Ostensibly, that premium (and sometimes assorted fees) reflects the cost of guaranteeing the borrower clear ownership of a property.
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High boarding fees reflect the cost of accommodation.
Monarch said fees reflected its costs and that credit card customers paying via PayPal incurred no fee.
Ryanair told me: "These fees reflect the relative cost of flying during high season, such as over the Christmas period".
Scott E. Talbott, a lobbyist for the Financial Services Roundtable, said that the banks' fees reflect the cost of providing those services and the rise in overdraft charges reflects increased risk.
The Canadian industry insists that its cutting fees reflect the actual cost of replenishing forests and should not be considered a subsidy.
The vice chancellor of Oxford University, Andrew Hamilton, has suggested that he would like to see tuition fees reflect the "true cost" of an undergraduate education at his institution.
The site recently began comparing the performance of a plan's underlying funds with investment benchmarks, with fees reflected in the index.
"Artists are using the latest high-tech, high-cost equipment, requiring high production fees reflected only in presentation rather than quality," he said.
Airlines say these higher numbers, no matter how you split fares and fees, reflect the true cost of flying, particularly given high fuel prices in recent years.
The outcome will hinge on the answer to a technical question: do the fees reflect what it costs the airlines to provide the extra service, or are they just an added charge for services the airlines have always provided?
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com