[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.