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2. Some banks charge you $20 a month for an account, others charge you 0. If you’re with one of the former, have a good explanation for what those $20 are buying.

I think an alternative that captures the intent might be:

Know how you are paying for a service - watch for hidden/ambiguous fees, subscription changes, short-term discounts, sale of personal information - and what you're paying for. Everything costs something, and unless you're a contract lawyer who also barters professionally, you are not getting the better end of any offered deal. Read every contract and all terms and conditions. While you probably won't understand it all, with practice it will become clearer which are being up-front and which are planning your demise.