I think you're dead on. The apology is interesting for what they don't apologize for and one could fairly presume they'd do again: raise prices/fees as they fee

I think you're dead on. The apology is interesting for what they don't apologize for and one could fairly presume they'd do again: raise prices/fees as they feel like it and on an opt-out rather than opt-on basis. No company deserves to have my credit card details tied to an account which may at some point arbitrarily charge me $$ which they notify my of via email on an opt-out basis. There are countless reasons why I might miss such an email not the least if which is simply email overload. This is a terrible practice for your customers.