The expense of running the life insurance company as a whole is another factor that can impact rates. (thesimpledollar.com)
Either to the authors who write for them or to the publishing company as a whole. (stevelaube.com)
In the end, credit card companies as a whole have a business model that almost universally prefers customers who use their products regularly and preferably for small amounts a maximum number of times. (money.stackexchange.com)