I don't have enough money to care seriously about this yet, so I don't mind if my bank discontinues the service (and can reevaluate then). However, in the meant

I don't have enough money to care seriously about this yet, so I don't mind if my bank discontinues the service (and can reevaluate then). However, in the meantime it's there and it's convenient so I use it and the simplicity of my financial "stack" (one account for everything) makes it work well. A credit card would break that and introduce unnecessarily complexity including another company that I'd rather not have to deal with (also, I'm not aware of any modern credit card providers that would give me a decent experience).