We had the same experience as well. When lockdown started, we did a couple of Instacart orders and recommended it to people, until I found out about the stacked charges. If it was just a delivery fee + tip, I'm fine with that, even a transparent fixed percentage. The deception and realizing how much the per-item surcharge + delivery fee + tip was coming out to made me stop using them. Recently I've been using curb-side pickup from stores and its surprisingly convenient and no cost associated. The store workers even refused the cash tip I offered when they came to the car!