I think that is a bit harsh. Some people find saving very difficult. Interest rates are rock-bottom anyway. This is a service which, for a small fee, helps you

I think that is a bit harsh. Some people find saving very difficult. Interest rates are rock-bottom anyway. This is a service which, for a small fee, helps you to save if you are really bad at it. It's not for me, but I can see this being a starting point for someone who has never managed to save successfully.