Even uneducated people become very intelligent when it comes to gaming the system to their advantage. It is always a cat and rat game between technical adjustments and when people find a way to game the system again.
People learned the phone company would refund any Denied All Knowledge of a long distance call. Call up, get a credit.
Then phone company said you cant DAK calls 2 months in a row: so customers called in every other month.
Then, they eliminated operator handled calls for small bills. Call in, get an IVR, get a credit.
Phone company caught on and limited credits to $7 per month, every other month.
Customers started crediting <$7...
And on and in...cat and mouse.
Then, few realized you only had to pay 91% of the past due balance to not get shut off..
Others finally realized that if your account gets associated with a elected federal official or a PUC complaint you account will never get treated for collections.
--- Another simple one: having to press "0" 3 times to get to an agent on some IVRs..
I have better luck just making indistinct noises. After three "I'm sorry, I didn't get that"s it almost always transfers me to a real person.