It's because of commodity-ification of debt. Like a conversion-funnel, they turned it from a human function into an assembly line that eventually leads to your non-payment being sold to a debt collection agency. They assume you won't pay.

So many times I've looked at a reminder email, put it aside because it pisses me off. Yes I have the money to pay, yes its like 2mins to do in my banking app, yes I will settle it, but No I won't do it now that you effing emailed me about it. I'll do it on my own time...and then I forget till the next annoying reminder email that pisses me off even more.

Some days I wonder if some of this stuff is normal or if it's just me. I'd love to just have an assistant to offload this mental drain to either way.