I dislike how Zen (and many similar cases, not picking on Zen here) report being not for profit or transparent, while the auto-recharge mechanism guarantees they are sitting on a float of at least $5 per account, and presumably an average of at least $10. That's something like 50 cents of interest income per year per account. It's not nothing and it's hardly egregious fraud, but I feel if they will do this when it's obvious what they're doing, what other corners might they cut

Honesty as a marketing strategy is really undervalued in cases like this

Yeah man, it's a grand scheme to skim 50 cents off you per year. All combined, that might be just enough to cover their website hosting costs.

honestly the issue with Zen is that they collect and might sell your data