[erikerikson]

It makes it about them not about you. I don't care which banks and other financial providers I use. I care about managing my funds in a way that is efficient and healthy for my life. The banks I use are simply service providers, a subclass of service providers across all the dimensions of my life. They have regulations they must abide by but in so doing they attempt to force me to think and act in those terms and I think they're poor.

[jxjnskkzxxhx]

The fact that I can download my data describing my transactions in a format convenient to me, makes it about them? Curious take.

[erikerikson]

You're justified in writing that mine is a weird (I know you wrote curious but I'll go further) take. I expanded my thinking beyond the scope you referenced but at least in part, yes. I have to log in to their interface, figure out and drill into where they offer that download. I don't want their branding and I don't want to manage my money in the way they constrain me to. I don't really want multiple accounts or to play interest maximization games by acting fiddley for example. At the highest level, I think about my flows in percentage allocations. 10% for charity, 10% for my kid's college (until there was enough), 10% for savings, so forth. As presented I'm constantly fiddling with specific money amounts for automation and stuck in the ledger rather than with sources and sinks with tagging based allocation and management policies. I'm ignoring the horsecrap around the ways they bilk the poor which is a separate kind of evil.