Patron asks me to check her card to see what her outstanding fines are. Aside from several maximum ($10 per DVD) fines on late movies (The explanation?: "I was on Spring Break and forgot about them"), there's one maxed out book fine ($10) plus cost ($37.95) of the unreturned book.
"Free money to pay your bills" by Matthew Lesko.
If her $80+ fine is any indication, there's no listing in the book for "free money" for meeting library obligations.