Good points. Messaging has become super easy to set up so the natural tendency is to just do more of everything. Send every message through all available channels which means you might get one email, 1 sms and 1 push notification.

Looking at whether users like these kind of messages would be interesting. I personally turn off the push notifications but I enjoy getting the emails from Mint. I really dislike when companies don't give you an option for what kind of notifications you want to receive. I would imagine this is pretty similar for all consumers.