I have an account with a bank in Texas that has all of $1.23 in it, whittled down through minimum-balance fees from a hundred or so (why it was opened in the first place I've lost track), which I am reminded of by a statement mailed to me every month, more often than not accompanied by newsletters and credit card & loan adverts. Surely the cost of the paper and postage for the past several years must've registered some alarm to discontinue this service? And after a half-an-hour hold-time to reach one of their representatives, she still wanted to keep me as a customer by offering to refund $10 in those charges—which yes, would be gone again in a matter of weeks. For me to close it out and do my part to save the world (and my mailbox) from the bureaucratic waste? I'd have to send in a written request, with at least a 41¢ stamp. I think I've extended my day's effort to the limit.