And ironically, that was one of the same sentiments why I did not. I wanted to do my IRA contribs on my own. Overall, ended up only hurting myself. (Ehh, this extra 350 is better suited here). While it may of been true or whatever, I get to corporate overlord myself!
Just lack of discipline, which is normally the answer to all our faults in life. Definitely don't do any automatic bill pays on my end. Oh boy, the stories we all have. Sallie Mae was the worst for me -- first time I setup automatic payments was a disaster and never will do it again.