On the topic of operating costs, the annual "high risk" credit card fees just went up to nearly $2k/year. High risk in quotes because even if you have stellar charge back rates you still get hit with it (did you know the charge back rate for adult is way, way less than the chargeback rate for travel?). The card networks have something called virp/bram, which is basically designed to force adult merchants into paying these absurd fees and limiting the banks they can work with to the most predatory ones. It's a huge antitrust issue that results in higher consumer prices but unfortunately no one is litigating yet