I applaud their effort, but I find some of the directions taken somewhat disturbing. I think having the option to double check late night purchases is cool, bu

I applaud their effort, but I find some of the directions taken somewhat disturbing. I think having the option to double check late night purchases is cool, but shouldn't be so strongly framed as being aimed at bipolar individuals. I wonder how much "drunk dialing" online shopping also occurs in the middle of the night. But I would be really weirded out by getting messages prompted by a missed paycheck. If I am living paycheck to paycheck, my first missed paycheck is a dire problem and it won't be solved by trying to budget better. That income needs to be replaced, and it is not my bank's job to address that. Not at all.