I'd appreciate insight/speculation into why the Combine Points function is so often disabled or unavailable without calling in. Is there an attempt to get more interaction between telephone CS agents and customers --- to sell something new/different? At first blush I'm not seeing the "security" dimension (i.e. if you permitted transfers between these same two accounts previously, how is security improved by requiring a time-wasting telephone call now?), nor can I immediately intuit the advantage to Chase for putting sand into the gears of this particular function.

TIA for sharing your thoughts!