Whenever you see things like “lowest price allowed” or “15$ lockouts” it is important to remember that they make somewhere. If they are losing money on the service fee, they are most certainly raising the cost of their other fees to make up the difference. The lowest cost, is rarely the lowest cost in reality and often times leads to a much higher than average cost. If someone cannot tell you an exact price, or at least a maximum price over the phone, they are most likely trying to keep their pricing open, to be exploited at a later date.