The main reason the debit business has gone away is because of safety. It's just too dangerous today. I have been in the insurance business for 49 years and was always in the ordinary sector. The is the term used years ago for monthly premium payments that were mailed to the company or on EFT. In 1993 a manager with one of the debit companies approached me as asked how I would like to work three days a week and make $50,000 per year. I lost my mind and said yes and went to work for a debit for about two months before I discovered he lied to me. This was the worst nightmare I have ever experienced. I took over a debit where the former agent was stealing money but I was told it would be 90 days before the debit would be transferred to me and it would be "cleaned up" before I would be responsible. One week when I settled it would show the debit owing me $900., the next week it would show me owing $900., but no one would help. I found that the company knew the previous agent was stealing money for over a year. When he was fired, he went across town and another debit company hired him and went back to the same customers. It was one of the worst rackets I had ever seen. I left the company and a year later I got a certified letter that an audit had been completed and I owed the company $300 and was threatened with legal action if I didn't send the money. I went to an attorney and he told me the best thing that could happen to me would be for the company to sue me. He said I would wind up owning the company. The attorney wrote to the company and requested all the records they had and they went away. I never heard from them again. But back to the original point, collecting a debit today is just too dangerous.