Sounds like you wouldn't use this service regardless of whether you were rich or just had good credit (and neither would I) but that's not the point I was makin

Sounds like you wouldn't use this service regardless of whether you were rich or just had good credit (and neither would I) but that's not the point I was making. It's that having $12k a year (either debit or credit, it doesn't matter) that you don't need to spend on things like food and rent is still a luxury for a great many people. People who would never be able to use this app no matter how much they wanted to. This fee is therefore an effective barrier to entry for a considerable segment of the population as intended.