Let&#x27;s be conservative and say that it takes the average person 3 seconds to read a transaction, recall whether it is a retail or subscription service, and if it is a subscription service decide if you want to keep it or investigate it. Then in no more than 10 minutes you would have generated a short list of subscriptions to investigate and potentially cancel.<p>Do you really not have 10 minutes per month to review your transaction history?<p>The service may be free, but(!) you have to hand over your financial info (to a random company) and credentials (to plaid&#x2F;intuit). Protecting that information is worth a lot more to me than 10 minutes of my time.<p>Not to mention, reviewing one&#x27;s monthly transaction one by one is a great opportunity to reflect one&#x27;s spending habits and rein in superfluous purchases.