Exactly. All of us are speculating based on prior experiences with different products; none of us has real information about Bluebird specifically (since there's not been an instance of shut down that we know about). The goal here is to give up some point earning potential for what we think is activity that will encourage BB to keep our accounts active.

Again, this is just speculation, but this also feels like the best way to avoid shutdown. I couple this with different types of spending (card swipes and bill pays) and not withdrawing things directly to my checking account.