I noticed in my grocery store that the Coinstar machine no longer displays that they take a cut of 8.9%. (I bet a law has been changed, and there is no longer regulation mandating this.) Every time I see someone use one I cringe since someone taking 8.9% off an investment would just be insane. They don't even make sense from an evil economist robot point of view since you're exchanging perfectly good legal tender for less legal tender.
I wish I could legally shake the next person I see using one...and then also lecture them on starting a 401k (and make sure that expense ratio is where it should be).