1) The weather
2) My own laziness
3) Banks, finance systems in general, and inflexibility and impersonalness of companies
4) Thick people
5) Staff of companies who take it personally when you use the term "you" meaning the company as a whole
6) People who drive about half a mile to work
7) People in companies who say they'll ring you back then don't
8) Renault meganes
9) Bandwagons
10) Shop assistants who are excessively unapologetic for their shop's crapness, or who even celebrate it
11) The importance of money
2) My own laziness
3) Banks, finance systems in general, and inflexibility and impersonalness of companies
4) Thick people
5) Staff of companies who take it personally when you use the term "you" meaning the company as a whole
6) People who drive about half a mile to work
7) People in companies who say they'll ring you back then don't
8) Renault meganes
9) Bandwagons
10) Shop assistants who are excessively unapologetic for their shop's crapness, or who even celebrate it
11) The importance of money