They are charging you points on the money that they had to put up so that whatever you bought could be paid for. They feel like, if we have to come out of pocket because you cant manage your money, then you should have to compensate us for paying your bills for you......
I realize things happen and sometimes you get caught in a bind. But that comes back to financial management also, plan for the worst so in case it happens you are prepared. Dont let yourself get strapped to the point of having to live paycheck to paycheck that way you can put money aside for a rainy day or whatever you call it.