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Again, it's never about the money, because LOL at me if it was. It's about getting through the transaction in the least painful way possible.
I generally have a reflex against lying that causes me not to say no
Well, at least we've identified the problem.
(Here, let me help you: when they ask you if you have a CVS card, the answer is "no". It's not even lying. You don't have one. You did, but you lost it.)