Why does the emerald card from HR Block have a 20.00 fee for each and every time you use it?

Because it is a money making, highly profitable business and it finds people foolish enough to pay it.. Because it is made for people who don't really deserve or have credit, and is denounced by virtually all consumer groups as a form of predatory lending. Of course, while it is unquestionably terrible and something basically only a fool would chose to use...and likely making those with financial problems and not the understanding of even basic finances to know better situation worse, only something they could answer.