It does! What’s worse is when you get companies or dickh**ds who will take that time and “transaction” and not recompense you for it.
They’re generally disgusting con artists! Bleed you for everything you have, then push their legal into frivolous litigation just to waste your time and money. They’re scum of the earth, because you can’t get either of those back. The question is whether you have the stamina to go after them for what they do. Most don’t, so they do it again and again.