Imagine if there was a bank that credits your account
each morning with $86.400, and carries over no balance
from day to day. Every evening it deletes whatever part
of the balance you failed to use during the day.

What would you do?

switch banks!!!!

Hi Rosi,

Thank you for your input.
Please continue with your
ideas.

I would immediately go ask what is going on. Sure I would be tempted to use the money that appeared in my account but I know I wouldn't.