Did you ever hear about that batch of box graters a few years back that had the handles just snap off? Sounds like you got lucky it wasn't worse.

Hammer trick never fails, saved my butt on a stubborn T20 last week.

Hold up, I gotta disagree with you there. Grease is exactly what you don't want on pedal threads because it makes the pedal feel tight when you're torquing it down, tricking you into not tightening it enough. Then you're out on the trail and that pedal works itself loose and you're walking home. A dry thread gives you a more honest feedback on the wrench so you know it's actually snug. Plus if you use grease the pedal can literally back out on its own from vibration over time, I've seen it happen.

Prepaid debit cards basically let you do the same thing without the cash problem.

Oh great, so now I gotta worry about random doctor bills from years ago haunting my credit like a ghost. Next thing you know I'll get a collection notice for a co-pay I didn't pay in 2015 because I moved and "forgot" to update my address.