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Please explain how the situation I described is me "trying to make a buck". You're saying he regretted the terms he presented, and is forever resentful that I didn't drag him to a bank to look up the exchange rate at the time?

The economic term is "price gauging".

You charged a $15usd (~15%) fee when your friend was desperate and willing, when the standard fee for such transactions is at best 0% and worst 5%.

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