Just from DMing perspective I feel this when my players decide to fight a NPC they weren't supposed to fight at a level I don't have a block for lol. "Well your options are cr3 and cr10 and you're level 7 so....10 it is and imma just shave some stuff off while hoping for the best" lol. Shout-out to every time my party says they're looking for shady people to circumvent the legal way to do something then balk when the pricetag isn't a handshake and an IOU their reputation proceeds them will never be collected.