I have nothing against credit card companies or other commercial lenders. They provide a valuable service at the rates (prices) the free market will bear, and that’s a good thing. That said, I am sometimes amazed at some of the great deals a credit card company will offer me. Like the cash-back program one credit card company wants me to enroll in. I can get 2% cash back, up to a maximum of $100 annually, for a semiannual fee of $64.99. Say what? I may be a math major and lawyer (though not licensed yet), but I do like to think most people can comprehend how this works. Is that really the best offer my bank wants to throw at me this month? I’m a little offended.