Whoever came up with this idea had no faith in the money sensibilities of the American people. And guess what? He built himself a million dollar company (

LINK). Just goes to show that betting against people's financial common sense will make you a millionaire.

Take your change to the grocery store and put it into a machine. The machine hands you back bills and skims 18% off the top. Of course, you could walk 3 feet to the check out counter and not have to pay anything for the bills, but that would make too much sense. You have to remember that we're talking about people who pay a $1.00 for water that comes out of a tap at home.

If you have change and you want brand new bills for it, drop on by my house. I'll only skim 10% off the top. Pretty good deal!