Originally Posted by Rand

Don't put words in my mouth because you are missing the point. I agreed with you.

My point is this... using a reckless competitor is not good (I'm not talking about anyone specific here). And the history of billing companies competing in this space (as I listed earlier) has shown when a new biller comes along doing whatever it is they do to try to get clients to use them is cutting corners somewhere, and they do not have the experience to understand the trends and pitfalls of this business.

So to make the statement more correct:
Responsible competition is good. Reckless competition is bad for everyone. Even companies who don't use the billers that go under can be affected.