This is fine and works for small ticket items. But in some cases, you will end up paying upto 50% of the ticket value. Eg. Realtors in some countries charge 50% of the transaction value - while the value they provide doesn't scale with transaction amount. Usually, a $200,000 house and a $2,000,000 house require the same amount of paper work (of course, depends on where you live, etc).