Image courtesy of stockimages at FreeDigitalPhotos.net One day, I lost the key to a safe deposit box I keep in the house. I called the locksmith who came and got the door to the safe open with his lock-picks in under 3 minutes. The charge? $400. For many people, this charge may seem outrageous. $400 for 3 minutes of work? If it had taken the locksmith an hour, most people would probably not have complained about a $400 charge, because he put in a lot of "hard work." What peo…