the cashiers at the grocery store.
You know... when they hand you the receipt and say, "Thank you Mrs Bitner. You saved $18.35 in Bonus Buys."
I reply, "That's great. But I would have saved $171.80 if I had just stayed home."

As far as Archie's insurance goes... I bet Brenda insisted he pick up his grades so he'd qualify for a "Good Student Discount"