There was no doubt in my mind that if I had been the party who owed the bank that penny, there would have been no talk of a write-off. And that had I refused to bear the costs of sending them a check in the amount of one cent, interest would have been charged. And that had I still refused to pay that one cent plus interest, it would have gone to a collection agency. And that over that small stakeout of principle -- not principal -- my credit would have been ruined. But not theirs.