EZ-Reload by GIRO - How convenient is it ?

I was celebrating my friend's birthday last night.. cakes and wine.. and of course, tons of fun !! =D Something interesting.. I thought use GIRO is for convenience for people... still got fee de ah ?

http://www.ezlink.com.sg/consumer/consumer_giro2.jsp

Look at the charges...

• $0.25 convenience fee per top-up; • $1.50 Application fee per card*; • A refundable deposit amount equivalent to the chosen EZ-Reload by Giro top-up amount for each ez-link card • $2 administrative fee for each unsuccessful deduction from bank account

So if i lost my that ezlink card, i still got to pay the fee? And if my bank bo lui ( no money) liao.. i still kena charged the $2 administration fee? WEE !!! If i am using this function, Im gonna get a BIG,HEAVY chainlock for my ezlink card le... =P Its a rainy sunday, even up the time when i am writing this post... what you been doing today leh ? Tag me leh ! haha!