I was reminded of this - twice - by U.S. mail.
Kudos, then, to the SF Public Library which blew up any stereotype of governmental rigidity when, upon receiving my DVD 1 week late (the case of which I'd returned on time but unfortunately without the actual DVD which was securely in my player at home), simply proferred a benign shoulder shrug and made no attempt to fine.
Government or bank? I'm leaning left.
I'm a far happier camper being held hostage by the gvt than by B of A