Chossing destiny
The are two options: 1) be a victim of the system and save ~15dollars, or 2) spend ~15dollars and be a victim of the system for that. Yes, the bank again. Any corporate bank cloud easily become a medieval torture device. There is no worst torture that knowing that your future will be stolen, lost, trashed, scraped... legally. Banks enjoy ruining peoples life, that won't include ripping money.