I think SGC is being pretty reasonable here, personally. For PSA, if you were the original submitter for the card, they will change it for you for free, but like SGC, you need to pay for shipping to PSA. However, if you were not the original submitter, then you need to pay for everything (e.g., through a reholder submission). Last year, I purchased a 1933 Goudey lot from Legendary, where Legendary submitted a few cards to PSA. One of the cards (a Carl Hubbell) came to me holdered upside down! To be fair, it was a horizontal card, so only the back was upside down, but when I called PSA, they said that because I was not the original submitter, I would need to send this card in as a reholder submission, where I would need to pay for the reholdering fees also. Admittedly, I think it's only $5 to reholder, but when you take all of the postage costs, it'd be around $20. So anyway, the card is still holdered upside down in my current collection. :-p
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