Whether I have 10 minutes (I do) is a very different question from whether I review each transaction carefully every month (I do not). Also, IMO the 2nd part -

Whether I have 10 minutes (I do) is a very different question from whether I review each transaction carefully every month (I do not). Also, IMO the 2nd part -- easy automatic unsubscription in one place -- is actually even more valuable. A few times I would actually notice a transaction, say I need to cancel this one before next month/quarter rolls over, and then forget about it :)