It really ought to be that way, and as banks modernize that may become the case, but right now I feel like runaway subscriptions are a huge problem, and credit

It really ought to be that way, and as banks modernize that may become the case, but right now I feel like runaway subscriptions are a huge problem, and credit card companies don't provide elegant summary or control of your financial relationships and transactions. When you leave big problems unsolved, then you're also leaving power on the table. Credit card companies are leaving a lot of power on the table.