If users are clearly warned and it's easy to change, that doesn't seem too bad

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I didn't even think to look for a setting like it cuz it said zero fees.

I only came across it because I clicked on every single thing in the Dashboard. The language of it isn't very clear that it is diverting a percentage of sales to other wallets.

I would say there was no clear warning but it was easy to change, once you knew where to look.

That seems very shady. I assumed the setting displayed when adding a product, or something similar.

Dark pattern design. Scammy