Jonathan I don't know what the reason is. Of course half their content was a big hyperbole. Perhaps I should've said that Netflix would bring out a new season of your favourite series but you can't watch the new season finale because your a Fmaily subscriber.
If what you're saying is true they are not keeping their promise that they would never use our money to generate money for themselves.
Or they are using the subscription money to give you interest which in my mind is wierd. Is the next step going to be a subscription where you pay 16 euro per month but you'll get twice the interest?!? Doing this is almost giving your customers a Dutch treat.
Of course I don't understand their interest model including the cap at all. If you have 10 members with 10K you have 100K and you give them all 27 euro (so 270 euro in total). However if 1 member has 100K on his account you still got 100K but you only give him 27 and not 270. So for some reason the 100K of 10 is not the same as the 100K of 1.
Perhaps you're right and they are using the fees to give you interest. But if that's true why does it matter at all what my balance is? I would think that someone who has only 1k on his accounts would appreciate 27 euro more than someone who has 10k on his accounts. Yet you gve the first one only 2,70 euro and not 27 yet they have paid you the same fees.
And why would you create susch a convoluted way with lots of objections from people who don't want interest at all in the first place? If the point is to make the fees lower I think a more sensible approach would be to lower the fees. I know, that probably sounds like a crazy idea :/
The whole thing just doesn't make sense.