The real cost of fiat

Do you adjust your spending habits to minimize debit fees? Cash withdrawal can cost one to three dollars per transaction. Fifty cent fee for prchase less than five dollars. I notice these fees. I adjust purchases to minimize them. I get my total fees way below one percent, but I an willing tp pay as much as a half point. That is the market price for fiat services. Congress regularly withdraws over a point in seignoriage as it owns the fiat banker. But the dear old Senate is not a democracy, and has no right to spend that much seigniorage.

If DC multipliers are especially low in CA than CA pays a much higher price in monetary volitility when Congress overspends its seigniorage.