[saltcured]

I tolerate it when I get a fixed period statement and can download to review and archive. I don't treat the website as my archive, nor would I treat the email system as my archive. It's just the delivery mechanism.

And they are for the well-defined accounting periods, e.g. monthly or quarterly, not some sort of ephemeral "rollup to time of download". That would drive me mad if they had different periods depending on download timing.

I can't know for certain, but my gut tells me they are just generating PDFs at the same time they perform the general reporting run that also leads to printed statements. And then they have some limited retention history to limit the storage costs.