It's nuts and I can't believe it works. It's interesting that you're getting bank P.R. fluff with that 'should be illegal' workaround - I've been getting them from my bank in Australia and wondered if we had really slack laws. A mass mail-out solution like - say - Mail Chimp would not let users do this. There has to be an unsubscribe link on mass-mail blasts and you should not be able to pretend P.R. fluff is suddenly "transactional." I also don't want to be lectured about mindfulness by a bank!