Everyone in NYC has that one bodega where the cashier makes up prices when you're checking out, and it's sort of a sign to avoid them when they overcharge. Sounds like you're just making very poor buying decisions almost regularly, and expect the same results as if you were making good buying decisions.

Try doing the following:

• Buy food, beer, coffee, and snacks at a grocery store.
• Prepare your own food/coffee instead of ordering takeout & delivery
• Always have cash on hand to avoid the convienace fee, or forced overtipping
• Withdrawing a set amount of cash over a set time period also helps you to budget your small purchases

Be better if the lawsuits they cause abusing New Yorkers just come out of their retirement plans. They could just save up all the fraudulent overtime they collect over their careers and take care of themselves.

I have doubts that they'd cut out their data mining operation. There's no other way to make money by offering free email services, without cross promoting other products people will pay for. It might be encrypted but they either have a back door, or the keys themselves.