Most people already called out most of the problems but number one for me is time to access. Paying to have it ready now/on your schedule and not having to spe

Most people already called out most of the problems but number one for me is time to access. Paying to have it ready now/on your schedule and not having to spend time scheduling or getting. Is it less financially efficient? No. Is it worth reconsidering depending on your financial health? Yes. Is it universal? No. Does the article can be interpreted in way it suggest it's universal? Yes.