Let me tell you a story. One day, a salesman comes to your door. "I have something for sale!" They pull out a gun. "And you are required to buy it." You stare incredulously at the gun barrel pushed up to your nose. "I don't want this and it's too expensive." They take a look at a list. "I have good news! According to your income here, we can give you a massive discount. I'll pay for most of it. This is an offer you can't refuse." They cock the hammer back on the gun ominously. "Fine, I'll buy your thing." You concede. An entire year goes by. At the end of that year, you find the love of your life and get married. Your household income increases. The salesman comes back. They look gravely disappointed in you. "We have a few problems here. One, we gave you too much of a discount last year and you're going to have to pay us back for our mistake. Two, we discovered that you didn't deserve any of that discount. You were married that whole year and defrauded us. So now you have to pay us back for the whole amount." Your jaw drops. "Let me get this straight. You forced me to buy this thing, you gave me the wrong discount, you are too stupid to see that I was only married for the last two weeks of last year, and now you want me to pay you back for the whole thing that I didn't even use or even want?" "Yes," is the reply as they hold the gun to your head again.