"Nothing is as irritating as the fellow who chats pleasantly while he's overcharging you"

This quote by Kin Hubbard is a funny way of expressing the disappointment of being made the most of. It implies that the person who is overcharging you is attempting to make the circumstance more tasty by getting along and chatty. This can be seen as a method of attempting to sidetrack from the fact that they are making the most of you. It is a pointer that people need to be aware of the potential for exploitation and not be taken in by someone's friendly temperament. The quote likewise acts as a warning to those who might be lured to benefit from others, as it implies that their actions will not be endured. Eventually, the quote functions as a suggestion that people should know their rights and not be benefited from.