He is like many people in Wanganui - particularly those of a certain age - who are unable to conduct their financial business over the internet and who use the old-fashioned face-to-face method to pay their bills.
But so much business is now conducted online that these people can find themselves being penalised by default.
The hidden extras are all-pervasive. Banks, of course, like to charge you fees even though you've given them your money to play with; a few years ago tickets for a concert or show suddenly started invoking a "booking fee"; and GST on the rates bill is simply a tax on a tax.
The tide of add-on costs is hard to turn back and the wave of online transactions is unstoppable, but sometimes it feels good to give the "miserable so-and-sos" an earful.