Worse, even if you agree, missing payments without noticing it is easy. You might get your life saver disabled even though you have plenty of money and are will

Worse, even if you agree, missing payments without noticing it is easy. You might get your life saver disabled even though you have plenty of money and are willing to pay and think you set everything up. For example, it works for a while, then you overdraw one of your accounts because a transfer is late (you still have plenty of money overall), the bank stops the payment from that account. Even if they don't disable right away, add a few more delays. I had an address change once and they sent the notice for a missed payment to the old address of my business - so I only noticed it when the service was cut off. The bill also had been sent there so I never knew I had to pay. Do you want to say "tough luck" to customers who rely on the protection and miss a payment only because of bad luck? Is even forgetfulness (so 100% "their own fault") worth a potential death sentence? . Note that the address change issue also once happened to me after I had already informed the other party of my new address. It was the IRS, they still sent their requests to my old address, months later, and then got a court order to get the money from my bank account without my knowledge or consent. I never knew they had wanted something from me, and I had given them the new address. So it can happen even if you do everything right.