You make these claims but provide no proof. Cite your sources for your claims... or are they just what you want to be true?
But let me tear apart your first claim - and make it irrelevant. They don't need their customers to use the service 15 times a year in order to turn over their credit facility 15 times in a year. Just thinking about that for a second should make you realise why.
In any case, your claim means nothing without proof. The burden of proof lays with you, as you are the one making the claim. If it is true and you didn't provide proof, then you're just lazy. But if it isn't true and you claim it us, then you are trying to deceive. Which is the more likely?
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