Call it "fee creep." We're paying fees for a lot of things that once were free. In the automotive, electronics, banking, telecommunications and other industries, services that once were provided as a courtesy are now raking in millions of dollars. For years, credit-card companies have been imposing an "over-limit fee" when customers exceed their credit lines. But other fees have the acrid tang of novelty. Some credit unions charge $15 for a copy of a disputed check. A few companies have actually penalized customers for paying bills early. Some banks these days charge customers who exchange rolled coins for paper...