Another example of how companies push how they want to do something instead of presenting it as an option. It benefits the seller to the detriment of the spender's wealth. A phone is a phone not a wallet. Related added extras are fine but there are limits. Generally speaking no one needs another way to spend spend spend with no real time feedback of how extravagant they're being. Nothing says, "ease up this month", like a continually emptying wallet that you've been refilling.