I really don't want to go on a totally off-topic tangent, but I feel like this needs to be brought up. > We need to charge dormant customers a monthly fee so t

I really don't want to go on a totally off-topic tangent, but I feel like this needs to be brought up. > We need to charge dormant customers a monthly fee so that we don't have to keep their money on our accounting books forever. That's absolutely and objectively not the reason this happens. Keeping their money "on [your] books" has zero cost associated with it outside of the escheatment[0] process, which can be completely automated. I worked at a company that had to do a decent amount of escheatment for almost every US state, Canada, and Mexico, and for a total company size of under ten people the entire organization probably spent 45 minutes working on it in any given month. It's a trivial amount of time. This happens to that the company can turn it's customers' money into its money. I don't know enough about to escheatment process to know for sure but I'd imagine regular debits like this would also get around the need to return the money to the estate after a given period of time. So someone puts $500 in their account, gets hit by a bus the next day, and the company gets to take a little bit every month/quarter/year until it's all theirs. It's a pretty scummy thing to do and I'm surprised the author just takes it at face value that they "have to" do it. [0] https://en.wikipedia.org/wiki/Escheat#Transfer_agents_and_escheatment https://en.wikipedia.org/wiki/Escheat#Transfer_agents_and_es...