IMO, any "tech" company that offers free services is an advertising company. Picked up where newspapers left off. And they weren't free.

They mostly can't figure how to get people to pay, or people are unwilling to create a dozen or a hundred payment accounts, a problem that still is unsolved after decades, despite efforts by tech giants to monopolize the payment market.

The chances of any one account's data being hacked are too high, and each new one adds more risk.