This is wild to see other perspectives. I'm a reasonably upstanding citizen and I have basically two categories of bills: Bills that are auto-paid. Bills that

This is wild to see other perspectives. I'm a reasonably upstanding citizen and I have basically two categories of bills: Bills that are auto-paid. Bills that are late. The auto-paid ones are completely on auto-pilot. If I have a particularly heavy spending month (maybe we took a trip somewhere), I might open my bank app to make sure there's enough cash in the account to cover the auto-payment. (Or I might not and either there will be, or auto-overdraft-protection will kick in and I'll end up paying a few bucks in interest.)