Totally get this analogy. I'm usually the first to question extra fees, but escrow's one thing I wouldn't skip. Peace of mind is worth a few extra buc...

I totally get the frustration, but honestly, I'd rather have my bank be a bit over-cautious than too lax. A few months ago, someone tried to buy $800 ...

You're definitely not overthinking it—it's smart to keep some cash handy for unexpected stuff. A few thoughts: - Having liquidity is peace of mind, e...