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You’re in the US, presumably? Is it really that common there for people to overdraw their account to the extent that direct debit in the $10 range would fail? That would be a very rare occurrence here. And you wouldn’t immediately lose your domain just because the payment failed once. It would be a much longer process.

People also have a mobile phone number with a plan they have to pay for. I don’t see why a domain should be any different, and it isn’t actually that different in my country.

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5% of American households have no bank account at all - either because fees are too high or because they have cashed bad checks or failed to pay bank fees in the past and are now refused an account.

Another 25% had their bank balance go below zero in the past year. And that number is worse than it sounds, because it doesn't include people who have selected to have transactions fail instead of put their balance below zero. https://www.consumerfinance.gov/data-research/research-repor...