sometimes think about very common financial transation like:

i) apply for a loan (car, house) or on the reverse an investment
ii)open a bank account
iii)job interview with manpower supplier
iv)EPC bidding

Are those cristal clear operations with no hide cost and surprise surprise at the end...? I dont think so

again, isn't strange to be very strict with small money given to poor ppl but very loose about big money given to sharks