Edit, more things that are expensive:
- if you live in an apartment with nfc entry, they might charge an arm and a leg to replace it, even if the actual device is only a few dollars
- IDK how much it costs to replace an apartment mailbox key, but I've been warned that if you lose one they need to re-key the whole mailbox
- maybe you don't feel safe with a house key in the wild and need to re-key your house (same for your car/s)
- if you have work keys, they might over-charge to replace lost keys