The issue focused on group vs individual billing. 
 
 Just because you get some benefit from one method does not mean you should get all of it or should you get only what you actually need. 
 
 So what if you get some benefit from both payment methods (benefits can be classified as good, bad, or both)? 
 
 How do you decide if you get more benefit from one method than the other? 
 
 Is it really worth giving up some advantages in order to get more benefits from one method? 
 
 Why do