I have a spray-in bedliner with the Rough County bed mat on top of it. I like the bed mat as stuff does not slide around as much, and it was a cheap added layer of protection to the bed on top of the spray in.
Maybe I am wrong here, and by no means am I a Granger fan boy, but I would think if one decided to pay monthly with Granger, they are assuming the risk until it is paid off. They are setting up the monthly charges/statements/etc. They are just charging an admin fee for that. I don't know why...