[jacques_chester]

> Nobody's yet figured out how to make it effortless, though.

I'm working on it; the insight that I and others before me have had is that:

1. It needs to happen without having to think about it,

2. I shouldn't have to decide whether to pay in advance, and

3. I should be able to cap to total.

That requires a model based on tracking usage then dividing out payments at the end of the month. It's rather more difficult to do this securely, which is what I've worked on.