"something that can automatically send payments on your behalf, check that they were received, and suggest when to send extra payments" Yes. Why not make money

"something that can automatically send payments on your behalf, check that they were received, and suggest when to send extra payments" Yes. Why not make money? So long as the revenue doesn't come from the debtor, who gives? Sure they have debt, but I mean... I still have plenty of money, a job, etc. It's not like we're talking about making money from homeless and staving babies.