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They do it for your own protection. Hey, I don't use them but they have been tested with time and they do seem to be going as far away from the way ePass operated for a reason. They want to have all of their ducks in a row so that they can continue to operate, function and last... even if that means inconveniencing a customer every now and then.
Just be thankful that it's not easy and that they implement strict security for their account holders, otherwise you may wake up one day and all of your money may be gone.
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