I happened to chat with HR when I did the opt-out. They claimed, which I didn't believe, that most employees actually benefit from it because they get streamlin

I happened to chat with HR when I did the opt-out. They claimed, which I didn't believe, that most employees actually benefit from it because they get streamlined approval for personal loans and mortgages. I think it's just a way for them to cut down on support requests from employees (like "Hey HR I urgently need you to provide my last three pay stubs or employment verification letters").