I lost my free credits they were giving away a couple years back, but when you pay they make it fairly clear they will expire. I see no issues here from any provider doing this, as long as it is made clear.
If not, they should refund them. They absolutely should refund them if I close my account.
If I'm going to give you money, I expect something in return for every cent of it. That's just basic decency.
That is not the main reason why they do this. The main reason why they do this is to get easy access to what essentially amounts to free capital, effectively it is an interest free loan from you to them.
> As such, it is theft, plain and simple
What?