There are only 2 ways you wouldn't know this is 100% true:

1. 100% of your deals defaulted and did not make it to full term
2. You work with merchants who don't care about being overcharged thousands upon thousands of dollars

There are only 3 ways YS could systematically and routinely allow this to happen*:

1. They forgot how to count
6. They are allergic to numbers
23. They made the same adorable little oopsies thousands upon thousands of times
4568. They are crooks

*- this list numbered using YS payment numbering system