The Hidden Financial System That Controls Your Life

Why should companies get to hit us with fees, but we can’t do the same to them?

Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson, AFC®
Directors: Katie Graham & Andrew Matthews
Written by: Andrew Matthews
Executive Producer: Amanda Fox
Produced by: Katie Graham
Edited & Animated by: P.W. Shelton
Fact checker: Yvonne McGreevy
Executive in Charge for PBS: Maribel Lopez
Director of Programming for PBS: Gabrielle Ewing
Assistant Director of Programming for PBS: John Campbell

Images by: Shutterstock
Music by: APM
Two Cents is a production of Spotzen for PBS Digital Studios

sources:
https://legal.thomsonreuters.com/blog/contract-of-adhesion/
https://abovethelaw.com/2026/01/a-world-cup-ticket-isnt-a-souvenir-its-a-contract-of-adhesion/
https://www.cambridge.org/core/journals/german-law-journal/article/contracting-away-constitutional-rights-in-the-united-states-adhesive-consent-blanket-assent-to-arbitration-and-other-agreements/9E0FCECC70B3EABE6D96BE0851864650

Mandating Contract Comprehensibility

https://finance.yahoo.com/news/5-sneaky-fees-hiding-bills-140112097.html
https://en.wikipedia.org/wiki/ProCD,_Inc._v._Zeidenberg
https://www.cnbc.com/2016/06/22/jimmy-johns-drops-non-compete-clauses-following-settlement.html
https://www.bbc.com/news/articles/c8jl0ekjr0go
https://www.nelp.org/insights-research/faq-on-mandatory-arbitration-in-employment/

Clauses and Consent: How Forced Arbitration Quietly Took Over Everything

https://www.ftc.gov/news-events/news/press-releases/2024/04/ftc-announces-rule-banning-noncompetes

source