A lot of people in business, on this forum and elsewhere, worry quite a lot. I've found that those who are worrying aren't the ones making any money.
Recently there was a post somewhere on here about how PayPal was now keeping the 30 cent fixed fee if you process a refund. So PayPal is angling at you for $75 a month or something. Be thankful they didn't freeze your account for no reason and move along.
I think Gary Halbert would punch you in the face if he heard you...