It also doesn't (seem to) take into account how prevalent credit cards as a method of payment have become - for whatever reason, most of the companies I owe money to would rather I let them debit my credit card each month (and pay CC transaction fees) than send me a bill and let me pay them with online bill pay. My credit card bill is astronomical every month, but that's because all my bills are on it, and I just pay the balance every month.