An indirect cost.
An indirect radiator
Not of obvious or immediate cause, but as a secondary result
Not focused straight at the target or subject, but by more subtle means
Not involving the quickest, shortest, or most convenient path
To access by means of indirection; to dereference.
Such that the caller is only connected and charged if the person he specified is available to speak.
Such that the lender and borrower are individuals rather than companies.