Costs less, pay more?
PO boxes and online banking are two services offered by spin-offs of the formerly state-owned PTT (postal services). According to my estimates, both should cost less than delivering mail to the house and snail-mail based banking respectively, because they eliminate the most costly factor: personel. Yet both are sold at a premium, whereas the more expensive counter-parts are free. Am I missing the obvious? (If so, what is the obvious?)
Update: reworded this entry completely to eliminate rambliness, though the meaning is still intact.