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Is it illegal to spend less money to insert a water card reader at school?

This is not illegal.

When you insert the card reader, it means that you are using it. It's normal to deduct money when you use it.

Card reader is an interface device used to read and write multimedia cards as mobile storage devices in computers. The card reader is usually connected through USB, and can access memory cards of various formats, such as CompactFlash and SecureDigital. The commercial card reader can read the secure smart card.