From a business perspective, it's a win-win situation. Yes, marketers that if you lose your Savings Account Statement or CD Certificate, the bank will replace it, but we aren't a bank, so we can do whatever we hope. Did realize that people sell unused gift card s on Craigslist? https://Groups.Google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY