that's a good point, yes he grew very annoyed of how bill pay works. The UX is rather lacking. he didn't like not feeling in control of it, was opaque to him, now that i remember.

it's a down side of "set it and forget it". if i remember correctly his bill pay was to pay down a medical bill, over time the details of his balance changed and it became annoyingly obtuse to him on how to change the bill pay settings.