“We have found that people struggling to pay their bills want to pay and will pay at extremely high rates if you offer them reminders, accessible payment options and flexibility. The systems are the problem — they are not designed for people who don’t always have a surplus of money in their bank accounts.”

https://techcrunch.com/2021/02/19/with-20m-a-round-promise-brings-financial-flexibility-to-outdated-government-and-utility-payment-systems/