I'd wager the idea behind this isn't to avoid fees but to avoid being swept up in automated systems where they don't care to resolve because even at $400k, you'

I'd wager the idea behind this isn't to avoid fees but to avoid being swept up in automated systems where they don't care to resolve because even at $400k, you're still "small fish" and you have to reach out to the admin of a industry forum just to get your issue resolved.