So you're outraged by the expenses...
Then what about the wholesale theft and exploitation by the capitalist institutions every single day?
What do you mean by "capitalist institutions?" That could mean a million and one things including my household. So my family are thieves and exploiters? If you mean capitalist businesses, then what about the small businesses that are grateful for every customer they get these days? Are they thieves and exploiters?
So can you tell me which "capitalist institutions" have been thieving and exploiting, how you know, and what your solution is?