I do not mind I UNDERSTAND because in some to many cases people DO understand..they may have been or be broke or a victim of something I have been a victim of...or they too have bounced a check or have a messed up checkbook ..I dunno I do not see so much black and white..to me sometimes people REALLY DO understand. Not much annoys me like this. I tend to dislike when people will say things they will not say to someones face..If I say something I do not have issues saying it to them if need be