I can agree with your reasoning, and I see the value for all parties involved for a relationship to not be disrupted. Personal story time: Where I live, the l

I can agree with your reasoning, and I see the value for all parties involved for a relationship to not be disrupted. Personal story time: Where I live, the local toll authority has a very bad reputation for their tactics of enforcement (surprise). Well, following the TJMaxx hack, my financial provider saw I shopped there during the window, cancelled the card and got me a new one. Very cool. I updated as many of my accounts as I could remember. Forgot the toll authority, whoops. They send me a bill in the mail somehow turning 35 unpaid tolls into a fee of $700+ dollars. I wrote them explaning that in good faith I had it on auto pay, and I would be happy to pay the tolls, 1 late fee, and 1 processing charge. A total of ~$70. They waited until the absolute last day to respond (according to postmark), which meant by the time I got their letter telling me "NO!" they had already sent my information to collections. Eventually a collection letter showed up. I responded in writing noting that the debt was not valid as written ($700+) and if they got the number right, I would pay it...never heard from them again, and it never showed up on my credit report. Anyway, the feature you describe is good for businesses, but when some businesses act shitty like that toll authority, the feature benefits the consumer in a clear way.